Big Institutions—Immunities, Impunities and Insanities

One of the first times I used the phrase “institutional insanity” was in 1973 to describe the behavior of scientist Dixy Lee Ray, chairperson of the presumed regulatory agency, the Atomic Energy Commission (AEC). I pointed out that her personal and academic roles were quite normal. But her running of the AEC—pressing for 1,000 nuclear plants in the U.S. by the year 2000 (there are 99 reactors left in operation now), and going easy on a deadly, taxpayer subsidized technology that was privately uninsurable, lacked a place to put its lethal radioactive wastes, a national security risk, replete with vast cost over-runs, immunities and impunities shielding culpable officials and executives, should a meltdown occur and take out a city or region (all to boil water to produce steam to make electricity)—was a case study in “institutional insanity.”

Both the AEC and its successor, the Nuclear Regulatory Commission (NRC), captured by the atomic energy industry, operate this way to this day, no matter the near misses, the spills, growing corporate welfare outlays, and the inadequate maintenance of aging nuclear power plants.

Our moral and ethical codes and our civil and criminal laws were originally designed to hold individuals accountable. The kings of yore operated under a divine right of being above the laws.

With the rise and proliferation of ever more multi-tiered governmental and corporate bureaucracies, methods of immunity, impunity and secrecy were built into these structures to shield them from moral/ethical codes and laws. Increasingly, we are ruled by no-fault big corporations and their no-fault toady governments.

Some comparisons are in order. If your neighbor entrusted you with her savings and paid you a fee for doing so, you then purchased stocks for her account while you’re selling them for your account, deceiving the cheated neighbor in the process, would you escape the law? That is just some of what the Wall Street Barons did on a massive scale about ten years ago. No one was prosecuted and sent to jail for this corporate crime wave.

Suppose you hired a security person for your defense who, at the same time, wasted your money and couldn’t account for your payments because his books were unauditable. Would you keep doing business with him? Wouldn’t you demand an audit? Well on a hugely larger scale, this is the Pentagon contracting system and your tax dollars. Why not demand that the defense department stop violating federal law, as it has since 1992, and provide Congress with auditable information so that its accounting arm, the Government Accountability Office (GAO) can audit the notoriously porous Pentagon books.

Suppose the head of your neighborhood association kept sugar coating problems, kept lying to you, kept describing conditions that weren’t so and kept doing things that would enrich himself in conflict with his duties. Would you keep supporting him in that position? Probably not. Well, that is your President, day after day.

What if your neighbor kept dumping polluted water and solid waste pollutants on your lawn and all around your house? Would you demand that your town or city stop this contamination, or sit quietly and accept this abuse because you don’t believe in regulation? Well, Trump’s EPA wrecker, Scott Pruitt, is busily going weakening environmental protections and even taking away environmental crimes investigators and forcing them to be his personal security guard.

Let’s say your farmers’ market vendors sensed that you were very dependent on the food they provide and they proceeded to triple the prices, it’s not difficult to predict your reactions. Yet that is what the drug companies have done with many of your important medicines over the past 10 years. Yet where are the outraged demands for the government to have the power to negotiate volume discounts, facilitate generics, restrain prices for drugs rooted in your taxpayer funded research by the National Institutes of Health (NIH) and allow imported competition from Canada?

You get into a bus or cab and the driver regularly cheats you into paying several times more than you should pay and then covers it up. When you find out about it, all hell breaks loose next time you confront him. What about Wells Fargo bank—they knowingly created unauthorized, false credit card and auto insurance accounts, wrongly billing customers millions of times. Imagine: no criminal prosecutions yet, no wholesale resignation of the well-paid Board of Directors, and very few customers are leaving the bank. Wells Fargo keeps reporting great profits while hassling victims into settlements. What’s one takeaway? The bigger the crook, the bigger is our surrender. Too big to fail or jail!

The neighbor in charge of the rural, communal drinking water well knows it’s being contaminated by a party that was his previous employer and expects to be hired back by his old boss. Your children as well as their parents are at risk. Well, welcome to Trump’s deregulations of food, drug, auto pollution, and workplace investor safety. They’ve come from the industries’ payroll and expect to come back with a big raise.

There are just a few contrasts between individual and institutional crimes and wrongdoing and our different responses toward them. Facebook, Google and Equifax can misuse your personal information to your perceived disadvantage and they repeatedly get away with it.

The White House under Bush/Cheney can unconstitutionally ignite wars, lie to the people about the reasons, produce millions of casualties and untold destruction of innocent peoples’ homelands, get re-elected and later retire with huge speech fees without being chased by the “sheriffs.”

It is doubtful whether you would allow your hamlet’s political leaders to get away with such violent assaults, even if they wanted to do so.

If our moral/ethical/legal codes cannot reach up to the tops of these institutions on behalf of wronged, injured individuals and communities and societies, we’ll get what we’ve been getting, which is worse and worse immunities/impunities with each passing decade.

Isn’t this a fault/no fault paradox worth thinking about?

Ralph Nader –


Jeder sich in Umlauf befindliche Euro ist jemand’s Schuld/Kredit.

Es MÜSSEN Kredite platzen, soll sich die Geldmenge vermehren.

Frei nach dem Motto von Goldman Sachs: Es reicht nicht dass wir gewinnen – andere müssen verlieren.

Wenn eine (private Geschäfts-)Bank einen Kredit vergibt, so verleiht sie niemals Geld (i.S. von gesetzlichen Zahlungsmitteln, also Münzen und Geldscheinen), sondern sie erledigt dies mittels Buchungssatz:

Forderung (Kreditnehmer) an Verbindlichkeit (Kreditnehmer): Kreditbetrag

Einerseits verbucht die Bank also eine Forderung an den Kreditnehmer (sie möchte den Betrag ja wieder “zurück erhalten”, sogar vermehrt zum Zinsen), andererseits bucht sie eine eigene Verbindlichkeit in gleicher Höhe an denselben Kreditnehmer – dies ist dessen Giroguthaben, von welchem er den Kreditbetrag entnehmen oder überweisen kann!

Die Bank fordert also vom Kreditnehmer etwas “zurück”, was sie zugleich bilanziell eingesteht noch überhaupt nicht geliefert zu haben (= Verbindlichkeit), somit also selbst noch “schuldig ist”

In dieser Broschüre für Schulen der Deutschen Bundesbank (Kapitel 3.5) (mirror download) ist dieser Vorgang im Detail erklärt. Somit handelt es sich bei Krediten, falls diese nicht bar (als Münze oder Geldscheine) behoben werden, nicht um gesetzliche Zahlungsmittel, sondern um eine Bankschuld. Wenn Hr. Meier einen Kredit in Höhe von € 10.000,- erhält (als Gutschrift auf seinem Girokonto), so erhält er damit kein Geld. Alle Girokonten der Bankkunden stehen bei der Bank auf der Passivseite der Bilanz, sind also Bankschulden. Daher ist die Bank nach dieser “Kreditvergabe” den Kreditbetrag ihrem Kunden Hrn. Meier nach wie vor schuldig! Wenn Hr. Meier den Kreditbetrag dann elektronisch an Hrn. Huber weiter überweist (auf dessen Girokonto), dann schuldet die Bank danach diesen Betrag eben Hrn. Huber und nicht mehr Hrn. Meier.

Kreditvergabe ist, rechtlich gesehen, das Verleihen eigener Mittel. Die Bank, welche Giralgeld schöpft, verwendet dazu jedoch keine eigenen Mittel (der Betrag steht auf ihrer Passivseite, ist daher eine Verbindlichkeit). Außerdem wird der Betrag nicht verliehen, er wird vielmehr bei dieser Art “Kreditvergabe” neu erzeugt (und zwar als verzinste Schuld!). Aus diesem Grund handelt es sich, rechtlich betrachtet, auch nicht um ein Kreditgeschäft. Wenn Banken jedoch behaupten, sie würden das Geld der Sparer verleihen, so sollten sie dies auch nachweisen. Welcher Bankkunde hat auf seinem Sparkonto jemals eine Abbuchung aufgrund der Kreditvergabe an einen anderen Bankkunden gesehen? Wenn Banken im Zusammenhang mit der Kreditvergabe “Refinanzierungskosten” behaupten, dann sollten sie auch diese nachweisen: Wie hoch sind die Kosten eines Buchungssatzes?

Wir alle verwenden, wenn wir elektronisches Geld von unseren Girokonten überweisen, nicht Geld i.S. eines gesetzlichen Zahlungsmittels, sondern tatsächlich nur Bankschulden! Dieses Buchgeld bzw. Giralgeld macht im Euro-Raum ca. 97% der gesamten Geldmenge aus. Sicherheiten leistet in diesem System der “Kreditvergabe” stets nur der Kreditnehmer, niemals die Bank!

Der weitaus größte Teil der Geldmenge (ca. 97% im Euro-Raum) stammt also weder von der Zentralbank (EZB) noch von der Regierung! Dieses Geld wird von mit Gewinnabsicht betriebenen Privatbanken in der Kreditvergabe und bei jeder “Bezahlung” durch die Bank “frisch geschöpft”. Allein schon der Umstand, dass dies nur den Banken gestattet ist und nicht den realwirtschaftlichen Unternehmen bzw. Nicht-Banken ist eine verfassungswidrige Ungleichheit.

Diese Zusammenhänge sollten der Öffentlichkeit, den Richtern und Anwälten endlich bekannt gemacht werden. Nach wie vor ignoriert das Rechtssystem diese Tatsachen und fällen daher die Gerichte eklatante Fehlurteile (Video: “Justiz entlarvt – Geldschöpfung unbekannt” – 37 Min.). 

Banken praktizieren jedoch diese Vorgangsweise (das Buchen auf die Girokonten der Zahlungsempfänger, also das Einbuchen einer eigenen Schuld als “Bezahlung”) auch dann, wenn sie selbst etwas kaufen: wenn sie Grundstücke, Gebäude, Computer oder Wertpapiere kaufen, wenn sie ihre eigenen Mitarbeiter oder die Boni der Vorstände oder aber die Dividenden der Aktionäre “bezahlen” – sie buchen dann stets auf die Girokonten der Zahlungsempfänger und erzeugen damit eine eigene Schuld (im bilanziellen Sinne)! Sehr gut werden diese Zusammenhänge (auch die Buchungssätze!) in diesem Buch erläutert.

Dies ist der wahre Grund, weshalb alle Banken im Übermaß verschuldet sind: Giralgeld, wie es heute gebraucht wird, ermöglicht es Banken sich ohne Gegenleistungen Vermögen von Nicht-Banken anzueignen. Die “Bankverschuldung” ist also die Summe der noch fehlenden Gegenleistungen des Bankensektors. Daher sollte diese Form der Geldschöpfung (durch Erzeugung einer Bankverbindlichkeit) so schnell wie möglich beendet und durch ein tauglicheres System ersetzt werden!

Das auf diese Art (als Buchungszeile und bilanzielle Bankschuld) erzeugte “Geld” ist natürlich ungedeckt und völlig wertlos (Fiat-Geld, von “Fiat Lux” – “Es werde Licht”, “Fiat Geld – Es werde Geld”, Geld “aus Luft”, also ohne werthaltige Deckung). 

Ein weiterer Nachteil dieser Form der Geldschöpfung besteht darin, dass das (Giral-)Geld zur Bezahlung der Zinsforderung der Banken niemals geschöpft wird. Der Buchungssatz der Kreditzinsen lautet aus Sicht der Bank nämlich:

Forderung an Zinsertrag

Der Zinsertrag stellt aber keine Bankverbindlichkeit dar, daher wird (Giral-)Geld zur Bezahlung der Zinsen nie geschöpft. Die Konsequenz ist, dass die realwirtschaftlichen Unternehmer die Zinsen aus der bereits in Umlauf befindlichen Geldmenge entnehmen müssen, wodurch sie zwangsweise in Konkurrenz um diese knappen, umlaufenden Mittel geraten, einfach nur, um daraus ihre Bankzinsen zu bezahlen. Die Konkurrenz im Wirtschaftssystem ist also hauptsächlich auf den Umstand zurückzuführen, dass (Giral-)Geld zur Bezahlung von Bankzinsen nicht geschöpft wird. Wäre dies der Fall bzw. würden keine Zinsen verlangt werden, wäre sofort auch Kooperation im Wirtschaftssystem problemlos möglich!

Das hier oftmals angeführte Gegenargument, man könne die Zinsen durch eine erhöhte Geldumlaufgeschwindigkeit doch “bezahlbar gestalten”, ist leider logisch nicht haltbar. Dazu müssten die Banken ihre unter dem Titel “Zinsertrag” erhaltenen Geldzuflüsse nämlich sofort wieder an ihre Kreditnehmer ausschütten, damit diese dann im nächsten Durchgang wieder über ausreichende Liquidität zur Bezahlung der fälligen Zinsen verfügen. Da dies in der Praxis jedoch nicht geschieht, ist auch nicht erkennbar, wieso alleine durch eine Erhöhung der Umlaufgeschwindigkeit der Zahlungsmittel plötzlich die Kreditnehmer genau jene Mittel erhalten sollten, die sie für die Bezahlung der nächsten fälligen Zinsen benötigen würden.

Dieser Kampf um die Bankzinsen aus der umlaufenden Geldmenge wird dann in diesem System zynisch “gesunder Wettbewerb” genannt. Institutionen, die aber keine Unternehmen sind (d.h. über keine Kunden verfügen, denen sie etwas verkaufen können, wie insbesondere private und öffentliche Haushalte) haben in diesem System keine andere Chance als immer neue Schulden aufzunehmen bloß um die alten Schulden und deren Zinsen zu bezahlen. Daher werden die Schulden der Haushalte zwangsläufig immer höher ansteigen, ohne dass dies ein Zeichen von Verschwendung, Inkompetenz oder Gier wäre! Privaten und öffentlichen Haushalten ist es vielmehr im verzinsten Schuldgeldsystem prinzipiell unmöglich ihre Schulden zurückzuzahlen, weshalb es sich hier auch um eine systemische Krise (Krise des gesamten Systems) handelt und nicht bloß um einen “Konjunkturzyklus”.


Second world war – 60 million dead – was it all a bloody scam by speculators/investors and industrialists?

While some count the dead – others count the profits.

Hey – super rich: instead of sending the poor off to die in useless phony wars – causing infinite amount of trauma and suffering – what about giving every family a piece of land to farm it by hand – creating a lot of manual labor – so the poor people have “something useful and meaningful to do” – civil unrest prevented.


It does not matter who you vote for

Woodrow Wilson  was elected USA president – because he promised his people to keep them out of the war – 5 months later the USA joined the war against the central powers – German Empire, Austria-Hungary, Ottoman Empire, Bulgaria.

He said German philosophy was essentially selfish and lacking in spirituality.

When I spoke of the Kaiser building up the German machine as a means of maintaining peace, he said,

“What a foolish thing it was to create a powder magazine and risk someone’s dropping a spark into it!”



  • E. M. House, Intimate Papers of Colonel House, Vol. 1 ̃1912-1915 edited by Charles Seymour, (1926) vol 1 p 299, dated August 30, 1914

backup of this article taken 2019-07-10:


Wikipedia, was removed in Wikipedia?)

Weapons are no security

He said German philosophy was essentially selfish and lacking in spirituality. When I spoke of the Kaiser building up the German machine as a means of maintaining peace, he said, “What a foolish thing it was to create a powder magazine and risk someone’s dropping a spark into it!” (src: Wikipedia)


“Food giant Nestle said Monday it is paying 25m Swiss francs ($14.6m) into a settlement with Holocaust survivors and Jewish organizations to meet possible claims over use of slave labor during World War II.

“It is either certain or it may be assumed that some corporations of the Nestle Group that were active in countries controlled by the National Socialist (Nazi) regime employed forced laborers,” the group said in a statement.

It said it would contribute to a $1.25bn settlement agreed by Switzerland’s two largest banks.”


In the year 2000, the company Nestle has transferred more than 14.5 million dollars into a dedicated fund in an effort to compensate the survivors or survivors of the holocaust. The company admitted that in 1947 took over the company, which during the war using forced labour and also stated that certain subsidiaries of Nestle Group have been active in countries dominated by the nazi party. Nestle helped with the financing of the nazi party in Switzerland in 1939, and received a lucrative contract for a complete supply of chocolate for the German army during the second world war.

more on that:

More companies involved:

Hugo Boss

Hugo Boss AG is a German manufacturer of men’s and women’s fashion and perfumes. Currently operated by Hugo Boss at least 6 of the 100 points of sale in 110 countries of the world. The company was founded in 1924 in Germany. Due to the adverse financial situation in Germany, but in 1930 she got into bankruptcy. Itself Hugo Boss was a member of the NSDAP. Before and during the second world war the company proposed and produced uniforms for members of the SA and the Hitler youth and later also for the soldiers and officers of the Wehrmacht, as well as for the other state components, including SS.


Fanta is historically the second beverage company Coca-Cola after the Coca-Cole. Originated in Germany in 1941. Tasty orange drink was originally designed specifically for the nazis. The raw materials for the production of Coca-Cola was during the war, difficult to deliver, the manager of Coca-Cola Germany, Max Keith, therefore, came up with a new drink that should arise from the available ingredients. And Fanta was in the world. In 1941, then was Fanta presented on the German market.


According to the documents of the us National archives subsidiary of Eastman Kodak traded with nazi Germany, and even after America declared war. Kodak in Germany are reportedly using slave labor of prisoners. Race Kodak in Stuttgart had eighty workers-slaves and enterprise in Berlin even 250 slaves. Wilhelm Keppler, a personal economic adviser of Hitler, was known as “the Kodak Man” for the personal and working connections with the company. The company also produced triggers, detonators and other military goods for the Germans.



The strategic alliance between IBM and nazi Germany lasted from the first weeks after the onset of Adolf Hitler to power until the last weeks of the second world war. As the Third reich embarked on its journey of conquest and genocide, the work of IBM and its subsidiaries on the technologies that step by step allow add, sort, and eventually even to identify the Jews. It was a huge task, during which it was necessary to process a whole pile of information and that is literally said about the processing of the computer. In 1933 but the computer of course did not exist.Existed but the technology Hollerithových punch cards, which used IBM. Arose because of the trade agreement the european branches of IBM, mainly the German, with the regime of Adolf Hitler, the complete ensuring of the technological management of the processing of personal data. This technology to the nazis to help and facilitate the selective prosecution of selected groups of people, who ended in concentration and extermination camps.



American entrepreneur, a pioneer of the automobile industry, Henry Ford sponsored its own newspaper, which published a propaganda article in which he blamed the Jews of the first world war. In the twenties he wrote the book the International Jew: the World’s problem and the funding helped spread the Protocols of the elders of zion. In Germany he founded a branch of the Ford Werke AB and supplied the German military trucks and civilians a modified version of the model T. Hitler sent every year on my birthday, 50000 dollars and all the proceeds from the sale of Ford cars in Germany devoted to the NSDAP.Ford acquired in 1938 Meritorious order of the German eagle, the highest medal nazi Germany, which was awarded to German to foreign citizens. Ford produced one-th



The owner of the company BMW Günther Quandt used in their factories the prisoners from the concentration camps as slave labor. Already in may 1933 also joined the nazi party, thanks to which he earned from the state a number of lucrative contracts. During the war, then then the company has further expanded, Quandt acquired a few of confiscated jewish enterprises. In 1937 he was Quandt incorporated into the elite business groups deemed most beneficial for the supply of the third reich. During the war, producing batteries for submarines and rocket launchers, rifle Mauser, ammunition and anti-aircraft missiles.Günther Quandt was in 1946 arrested by the allies and interrogated, to post-war processes with German industrialists kolaborujícími with the nazis, as were the owners concerns Flick or Krupp, but included was not. In 1948 he was released from custody. Quandt was the first husband of Magda Goebbelsové.


German carmaker Audi in 2014, she admitted that her predecessor in the second world war abused in a large prisoner of the concentration camps into slave labor. Audi during the war was called Auto Union – and it is this company with the nazis, concluded an agreement which allowed her to get the 3700 prisoners on unpaid work. Historians Martin Kukowski and Rudolf Boch reveal that the nazis for a car built seven labor camps. Auto Union to the slave labor used more of 16,500 workers who have not been interned in the nazi camps.You have worked in Zwickau and Chemnitz in Saxony and the other 18,000 people otročilo in Bavaria, where 4 thousand of them in inhumane working conditions died. The authors of the report also found that when one of the workers was not medically able to work, the carmaker sent him to a concentration camp for execution. Some of the factories of the Auto Union started during the war to produce instead of cars, tanks and aircraft engines.


Tens of thousands of forced laborers. whether civilians, prisoners of war or people from a concentration camp used also the carmaker Daimler-Benz, maker of Mercedes Benz cars. The company produced aircraft engines and components, which have been used for navy, air force and army. The carmaker also repaired military vehicles.


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