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What if instead of giving $5000 to every American, you gave them a choice. $5000 now or $7500 invested in a social wealth fund (locked until retirement) that invested in American businesses directly. You encourage business to invest in automation, adopt AI etc…

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You then can move from a labour economy towards a capital economy (which America on the high end already is) The national fund could create a citizen dividend. Essentially UBI funded through investment in American businesses.