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Model of a Non-Financial Economy: Direct Household Asset Ownership

This conceptual model illustrates a simplified economy that operates without a financial sector, debt, or money. In this framework, households are the central economic unit and directly own all productive assets. As depicted in a corresponding flowchart, these assets include real estate, small businesses, and human capital. This model serves as a foundational baseline for understanding the purpose and functions of a financial system.

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Updated 2026-01-15

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