Finance

The Goal

The goal is to liberate people from financial insecurity by providing a clear, sustainable path through an increasingly complex financial system.

Today’s markets are filled with new tools and new risks, making investing less straightforward than ever. Our aim is to build a solid foundation for safe investing, while protecting individuals from the growing use of finance as a tool of surveillance and control by governments, banks, and corporations.

This means exposing and resisting hidden fees, pricing manipulation, credit and debt traps, and opaque contracts that quietly drain wealth. Sound finance is not simply about returns – it is an investment in independence, providing security and freedom in a system too often designed to exploit rather than protect.

The Challenge

The modern financial system is deliberately complicated, filled with opaque contracts, hidden fees, and layered costs that erode savings without notice.

Consumers face pricing manipulation, credit and debt traps, and an industry that profits most when people lose. At the same time, finance is increasingly used as a tool of surveillance and control, with banks, corporations, and governments tracking transactions, limiting access, and shaping behaviour through regulation.

The explosion of speculative products, from high-risk derivatives to unstable digital assets, adds further danger, while even everyday essentials like mortgages and pensions are weighed down with small print and terms designed to favour providers. For the ordinary consumer, what should be a path to security has become a maze built to extract value at every turn.

A System Built To Exploit

Consumers are pushed into a system built to confuse and extract. Credit cards and loans hide punishing interest behind introductory offers, while “buy now, pay later” schemes normalise debt that quickly spirals.

Mortgages, pensions, and insurance policies are wrapped in opaque contracts that bury fees, commissions, and penalties in dense small print. Banks profit from overdrafts, late charges, and early repayment traps, while investment providers skim off management fees regardless of performance.

Even routine transactions on credit cards and other transfers carry layered costs, ensuring that households bleed value year after year.

Finance as Control

Finance is no longer just a means of exchange – it is becoming a system of surveillance and restriction. Banks track every transaction, with accounts frozen or closed if activity is deemed suspicious.

Corporations harvest payment data to monitor habits and influence spending, while governments use financial systems to impose taxes, fines, and restrictions more efficiently than ever. Emerging tools such as digital currencies and cashless policies make it easier to limit access to money and harder for individuals to operate outside approved channels, turning finance into a mechanism of control rather than freedom.

Investing Turned Into a Minefield

What should be a path to security has been reshaped into a landscape of risk and extraction. The market is flooded with speculative products – from complex derivatives to unstable digital assets – that promise quick returns but expose ordinary investors to heavy losses.

Even basic instruments like mortgages, pensions, and savings plans are designed with dense small print, hidden fees, and terms tilted towards providers. Instead of building stability, investing has become a maze where households carry the risk while bank, wealth managers and funds secure steady income, regardless of performance or outcome.

Winning Back Financial Clarity

The solution begins with transparency and restraint. Applying the Less is More philosophy means cutting unnecessary credit lines, avoiding “buy now, pay later” schemes, and refusing products designed to trap households in revolving debt.

Consumers can use their purchase power to reward banks and funds that offer fair, clear terms while boycotting those built on hidden fees and penalties.

At the same time, coordinated pressure through legal action, regulation, and even PACs is needed to strip out opaque contracts and enforce plain disclosure. By reducing exposure to exploitative products and directing money towards honest providers, individuals can stop the slow bleed of hidden costs and restore finance as a tool for security rather than extraction.

Protecting Financial Freedom

The solution is to reduce dependence on systems that enable surveillance and control. Following Less is More means using cash where possible, limiting unnecessary accounts, and avoiding services that track spending in exchange for convenience.

Purchase power can be exercised by supporting payment providers and institutions that defend privacy, while boycotting those that sell data or arbitrarily restrict access. Alternatives such as cryptocurrencies and decentralised finance can provide independence if used cautiously, giving individuals ways to transact outside state or corporate channels.

Where control is imposed through legislation, legal and political action, including the use of PACs, is essential to resist compulsory digital currencies and defend the right to manage money freely.

Restoring Stability To Investing

The answer is to strip speculation out of everyday finance. A Less is More approach means focusing on clear, low-cost investments – avoiding complex derivatives, unstable tokens, and products designed to gamble with household savings.

Consumers can use their purchase power to back providers offering transparent pensions, mortgages, and savings plans, while boycotting those built on hidden fees and skewed terms.

Coordinated community action, including legal challenges and pressure through PACs, can push for plain-language contracts and stricter disclosure rules so that risk sits where it belongs, not solely on the consumer. By demanding simplicity and accountability, investing can return to its true role: building security, not feeding speculation.

MORE OR LESS?