Companies in nascent industries under the guise of lowering cost to the consumer are being allowed insurmountable economies of scale, by buying out their vertical and horizontal competitors. In the end, only these monopoly company owners and employees benefit from industry profits. New competitors now cannot enter to share the industry wealth on a more equitable bases. Whilst in general these monopoly companies have lowered the cost to consumers they have also reduced growth in consumer income compared to monopoly owners and employees.
Lower costs have helped reduce inflation. In Switzerland inflation is not necessary for a successful society and economy. But in an attempt to generate inflation central bank interest rates have been lowered; reducing income of the most venerable who cannot rebuild savings due to their age, if exposed to a downturn in asset prices. Further the availability of central bank credit is restricted to financial institutions, who have passed it on to in general to their large clients benefiting the owners and employees, at the expense of those deserving but not able to access credit.
Potential Solutions (subject to political fine tuning):
- The five largest companies in growing industries should not be able to purchase other companies that are in the top twenty companies of any industry.
- Central bank real interest rates should be set to a minimum of 2%, except whilst the stock market is less than 15% of it previous all-time high.
- Through today’s technology central banks, either directly or though proxy, provide the increased monetary base to all credit-worthy members of society.
Whist increasing interest rates punish marginal borrows it releases and lowers the price of resources for use in more productive methods.
Chart showing growing inequality in NY County, 2010-1018.