Half a croissant, on a plate, with a sign in front of it saying '50c'
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money with graphic design that encourages saving or investing

If the graphics layout on money effects usage, such that saving currency goes up .5%-1% then at the US about 4.8-9.6 billion dollars more a year would be voluntarily saved, permitting many people to get out of jams
  [vote for,

Many countries have money with fun feel good images on it, Canadian beavers, loons, and at the US big heads, I think some famous people show up on currency as well.

It is possible that just as graphic design can make an advertisement or a public service announcement much more effective, it is possible that new images and words on money could cause a completely voluntary, yet somewhat spontaneous and automatic .5-1% increase in the saving rate of the currency objects. At $11/24 hours of currency per each of 240 million out of 330 million at the US population that is $9.6 billion of money saved, about $20-40 a year per person

It is possible they could test if savings graphics and words cause not only saving of the actual currency bill, but cause increases in voluntary overall saving, it is possible this could represent considerably more than the .5-1% from just saving the currency on its own.

I think United States money is full of mysterious symbols and I like the green color, they should keep American money the way it is. Other countries could increase their savings rate this way though.

Globabally, this could be 96 billion, or perhaps just 48 (.5%) billion of annual increased savings, and could get perhaps .25-.5% of people globally out of jams when they make use of their increased savings, that is 20-30 million people getting out of jams annually.

Some slogans that might be functional or developable


Save, invest, read, learn, give to your children

I kind of like this one as it is possible .5-1% of people will think of giving the currency to their children, generating a new or increased allowance.

Save-Invest-Give might encourage investing, which is better than saving, and also promote giving, of course if you invest well, then you can give more than if you just saved.

beanangel, Oct 09 2019

Where does money come from? https://m.youtube.com/watch?v=l7L3ZtCSKKs
New Economics Foundation - Tony Greenham, on how money is “created” [Frankx, Oct 09 2019]

(?) Mamet on money https://www.google....JzWxrN8ZFOD4xbU2nov
[theircompetitor, Oct 09 2019]

John Law https://en.wikipedi...ohn_Law_(economist)
"It seemed like a good idea at the time ..." [8th of 7, Oct 09 2019]


       Nice idea! I appreciate this is about physical cash money, but it’s interesting (and not widely understood) where modern “money” comes from. Commercial banks create money by buying debt [link]. So it’s not in the banks’ interest to dissuade borrowing and encourage saving.
Frankx, Oct 09 2019

       A shorter and much more relevant video see link
theircompetitor, Oct 09 2019

       Although increasingly people don't use cash. To encourage saving, it would be useful to be able to add rules to your bank account such as "Every time I spend on my credit card, move an amount equalling 5% of that to my savings account".
hippo, Oct 09 2019

       Such accounts and various bank apps are already proliferating
theircompetitor, Oct 09 2019

       Commemorative coins are widely produced by central banks and/or mints, and are specifically designed for saving not for spending.
pocmloc, Oct 09 2019

       It is instructive to study the life and career of Mr. John Law, an 18th century economist and mathematician (q.v., <link>) who almost single-handedly crippled the french economy and helped precipitate the french Revolution.   

       Amazing, a scotchman that did something useful ...
8th of 7, Oct 09 2019

       How about we just bypass any need to invest by making money units in a stock fund (aka an equity fund), each pound is a bearer bond for 1 unit (or share) in the fund.   

       You get paid, & you've invested, job done.   

       [Sits back & waits quietly for objections]
Skewed, Oct 09 2019

       Or you could fake economic reports to make it look as though the currency was suffering from deflation. This would make people hold onto their money in the belief that it was steadily increasing in worth.
hippo, Oct 09 2019

       Yes, but to do that would require a group of people motivated solely by greed and personal gain, with no interest in the "common good", indifferent to the sufferings of ordinary people, amoral verging on sociopathic ... oh, wait ...
8th of 7, Oct 09 2019

       Great link, borg
theircompetitor, Oct 09 2019

       //a scotchman that did something useful//   

       A scotsman, in France, & you still called it useful, feeling OK? want to go lie down for a bit?
Skewed, Oct 09 2019

       No ... he destabilized their economy and ruined their government - what's not to like ...?
8th of 7, Oct 09 2019

       I know ... but using the word useful - while thinking about both France & Scotsmen ... that must have caused a certain amount of emotional 'dissonance' for you ;p
Skewed, Oct 09 2019

       I seldom use cash now - my Revolut tap card is far better. Cash is for criminals, or dominates in places with primitive banking systems like Trumpsville.
xenzag, Oct 09 2019

       Tap cards are for those who want to lose their money to criminals.
Skewed, Oct 09 2019

       ... or be tracked every moment by Big Business and Snoop Central.   

       Of course, if you Bellyfeel Ingsoc (like [xen] does, being a good little Inner Party acolyte), this is just delightful, because Big Brother can always remind you of the nearest telescreen location for the Five Minute Hate.   

       We have our own unique Borg Location Transponders - but that's unique to us - no-one else gets our position data.
8th of 7, Oct 09 2019

       ^ That you know of.
wjt, Oct 11 2019


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