Recyclable Lifetime Consumer Debt

Debt is a burden on humanity. An individual creates debt on a daily basis during their entire lifetime as a result of striving for and pursuing their personal consumption wants, needs, and desires. RLCD is created twenty-four hours per day, every single year of a person’s life. Debt is related to money, finance, income, banking, hourly wages, economics, the consumption problem, consumer credit, capitalism, consumer behavior and much more.

RLCD has affected mankind and modern society since the dawn of time. The magnitude of this global problem and the difficulties each individual faces associated with their efforts to meet their consumption needs is fundamentally due to pure economics. Not in the sense of scarcity, but rather in the sense of not having had a market exchange where the individual consumer can participate as both the buyer and the seller of the consumer debt that they themselves create over their lifetime.

The debt service available to pay for RLCD is based upon wages that a person earns usually working eight to twelve hours per day, most of their lives. In other words, it is mathematically impossible for you to pay off a debt that grows two to three times faster than the rate at which you can earn enough wages to pay off your debt. It doesn’t matter if you live to be seventy-two or one hundred years old, or if you make $5.00 per hour or $500 per hour.

Average lifespan of a person born in the USA = 80 years.

Total number of days in one lifespan = 365 days / year x 80 years = 29,200 days.

Total number of hours in average lifespan = 24 hours / day x 29,200 days = 700,800 hours.

How much RLCDebt do you personally create each day in order to meet and provide for your OWN individual personal consumption needs, wants, and desires? $1, $5, $10, $50, $100, $500 or more per day? If you lived to be eighty or a hundred years old, how much total RLCD will you have created over your entire lifetime? If you could buy all of the consumer debt you currently owe or will create during the next ten, twenty, or seventy years for pennies on the dollar today, would you and how would you do it?

Abraham Maslow’s Hierarchy of Needs Pyramid is well-known in the field of psychology, human behavior, and social sciences.  His work is often depicted as a multilevel pyramid-shaped visual representation of factors that motivate and guide human behavior.

Initially, a person strives to meet and to fulfill their most basic physiological needs which are located at the bottom of the pyramid.  After those needs have been satisfied, a person then recognises and turns their attention towards other higher levels of need, such as personal safety, love / belonging, and esteem.  Finally, by achieving and realizing their fullest and highest level of need, the person is able to satisfy their self-actualization needs.

Consumption refers to the buying, savings, and spending habits of individual consumers as they engage in behaviors and decision-making directed towards their pursuit to meet and satisfy their basic needs, wants, and desires. Unfortunately, Maslow’s pyramid of need fails to show a person WHERE or HOW to get the financial means and the resources they must have in order to either buy or acquire the desired consumption needs they ultimately wish to satisfy.

The magnitude of this problem is obvious when a person realizes that they could easily generate tens, hundreds, thousands, or even millions of dollars in consumer debt over their entire lifetime. Is there a possible solution to this dilemma?

The exchange of one unit of RLCD is equal to one unit of Death Benefit Proceeds. An exchange value of $1.00 = one unit of RLCD is worth $1.00 = one unit of Death Benefit Proceeds.


If somehow the continuous cycle of consumer debt could be broken, then the major problem of multigenerational poverty and debt could perhaps be resolved. In contrast to the typical consumer debt cycle motivated by spending, we disrupt this never-ending cycle by having the consumer buy all of there own past and future debts.


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