Housing, Health & Human Needs

Civic Housing Model

Transform housing from a speculative asset into a shared public resource. We reclaim land-based value and embed community stewardship at every level.

• Community Land Trusts: Permanently affordable land held in trust, separating land cost from built housing.
• Dividend-Backed Civic Mortgages: Low-interest loans matched to resident dividends, ensuring equity grows with community value.
• Vacancy Levies: Fees on unoccupied units that fund neighborhood stabilization and retrofit programs.
• Co-op Equity Schemes: Resident-owned cooperatives share governance and financial returns from appreciation.

Healthcare as Circulation

Health becomes a currency of well-being rather than a cost—circulating credits, data, and services through a transparent, outcome-oriented ecosystem.

• Universal Health Credits: Per-capita credits for primary care, mental health, and preventive services.
• Outcome-Based Funding: Payouts tied to health metrics (e.g. reduced hospital readmissions, improved vaccination rates).
• Tele-Health Commons: Open-access platforms for virtual care, diagnostics, and community health education.
• Data-Trust Research Platforms: Citizen-governed data pools enabling breakthroughs in public health, with built-in privacy and dividend sharing.
• Negotiated Price Caps: Collective bargaining for essential medicines and devices to prevent runaway costs.

Lifelong Learning & Personal Resilience

Continuous learning is the bedrock of individual agency and systemic adaptability—funded by captured value and delivered through seamless, rights-based credits.

• Automatic Education Vouchers: Annual credits for skills training, certification, or peer-to-peer workshops.
• Retraining Credits: Flexible funding for mid-career transitions, aligned with local labor needs.
• Tiered Dividend-Savings Matches: Public match on personal upskilling investments, scaled by income.
• Emergency-Fund Top-Ups: Rapid credits for households facing job loss or climate shocks, ensuring continuity of learning.

Interlocking Regenerative Loop

        Civic Housing Model
               ⬇️
       Stable, Affordable Homes
               ⬇️
    Healthy, Engaged Populations
               ⬇️
   Lifelong Learning & Resilience
               ⬇️
      Innovators & Stewards
               ⬇️
       Renewed Housing Commons
    

Key Terms

Community Land Trust

A nonprofit entity that owns land in perpetuity, ensuring housing remains affordable.

Vacancy Levy

A tax on empty homes and commercial units, with revenue channeled to community stabilization.

Universal Health Credit

Per-person credits that citizens redeem for essential health services across public and private providers.

Tele-Health Commons

An open, citizen-governed digital platform delivering virtual care and community health resources.

Education Voucher

A public credit enabling individuals to pursue skills training, certifications, or community-led learning.

Dividend-Backed Civic Mortgage

A home loan where residents’ equity and repayment terms are tied to local value-capture dividends.

Fundamentals of Regenerative Housing & Health

In a truly regenerative global public value system, housing and health are not commodities or cost centers—they are rights, infrastructure, and circulatory systems that sustain human and ecological vitality.

• Universality: Access is not conditional on employment, credit, or geography.
• Circularity: Value flows back into the commons—through land trusts, health data dividends, or reinvestment loops.
• Stewardship over Ownership: Land and care are held in trust for current and future generations.
• Interdependence: Housing, health, education, and ecology are treated as interlocking systems, not silos.
• Resilience: Systems are designed to adapt, absorb shocks, and regenerate socially, ecologically, and economically.

⚙️ Mechanics & Architecture

🏘️ Housing

Mechanics:

• Community Land Trusts (CLTs) decouple land from speculation, ensuring permanent affordability.
• Civic Mortgages are backed by public dividends, not private credit scores.
• Vacancy Levies discourage hoarding and fund retrofits or social housing.
• Cooperative Equity Models allow residents to build wealth without fueling gentrification.

Architecture:

• Mixed-use, zero-carbon neighborhoods with shared amenities and mobility.
• Modular, adaptive housing that evolves with household needs.
• Digital registries for land, tenancy, and equity—transparent and tamper-proof.

🏥 Health

Mechanics:

• Universal Health Credits flow to individuals, redeemable across public and private providers.
• Outcome-Based Funding ties payments to real health improvements, not procedures.
• Telehealth Commons provide open-access diagnostics, care, and education.
• Data Trusts allow citizens to pool health data for research—earning dividends and protecting privacy.

Architecture:

• Distributed care networks (home, clinic, mobile) instead of centralized hospitals.
• Integrated health-ecosystem dashboards that track air, water, food, and stress indicators.
• Public AI models trained on diverse, representative data to reduce bias in diagnostics.

🔁 How It Differs from Current Systems

Dimension	Current System	Regenerative Public Value System
Housing	Asset class for wealth accumulation	Commons-based infrastructure for shelter and stability
Health	Reactive, fee-for-service	Preventive, outcome-based, and participatory
Funding	Fragmented, debt-financed	Dividend-backed, value-captured, and pooled
Governance	Top-down, bureaucratic	Polycentric, participatory, and transparent
Data Use	Extractive, opaque	Consent-based, dividend-generating, and open-source
Resilience	Vulnerable to shocks	Designed for adaptation and regeneration

🌍 Global Integration

• Global Health Commons: Shared vaccine IP, open-source medical AI, and cross-border care credits.
• Planetary Housing Standards: Climate-adaptive, zero-carbon, culturally rooted.
• Intergovernmental Value Capture: Carbon fees, digital levies, and land-use royalties pooled into global social wealth funds.

🧭 Final Thought

A difference between current systems and public value systems is the extractive nature of current architecture and the regenerative nature of public value architecture.