2021 to 2024: From ‘Revenge’ Splurging To Forced Frugality

After all, “they can always print more money.” That’s always the solution until it becomes the problem.

What we call economics is best understood as:

1. A mechanism that distributes resources asymmetrically: some benefit more than others.

2. The running of the herd: humans are a social-herd species.

3. Everyone seeks a windfall: something for nothing, or grabbing more while doing less.

4. Everyone seeks to make windfalls permanent by rigging the mechanism to favor their interests.

5. The mechanism is a system of self-reinforcing feedback loops that generate diminishing returns, blowback and unintended consequences.

This perspective helps us understand the progression of the economy from 2021 to 2024. In a nutshell:

2021: massive stimulus, “meme stock” bubble

2022: “Revenge” splurging, inflation

2023: AI stock bubble, “soft landing”

2024: Forced Frugality

So massive stimulus initially triggers the locked-down herd into meme stocks, inflating a bubble. Once the lockdowns end, this massive stimulus unleashes “revenge spending” where price no longer matters, we need a vacation, a new wardrobe, etc., never mind the cost.

Unsurprisingly, this tsunami of price-insensitive spending while the distribution mechanism was still struggling to reconnect disrupted global supply chains leads to 1) rampant price gouging / profiteering and 2) rampant inflation as costs are passed up the food chain.

Many costs are “sticky” and rarely decrease: taxes, fees, wages and benefits, healthcare, rent, insurance, childcare, etc. typically only ratchet higher. Any ratchet lower is rare and modest, and eventually reversed.

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