Transition

Does this mean we can't order food anymore? Yes it does.

Does this mean we can't shop anymore? Yes it does.

What happens to my personal bank accounts?  Personal belongings are just left intact but that the government incentivizes collectivization by not requiring any more tax returns to be filed or sales tax charged, for people who belong to collectives.  

What about my home and mortgage or retirement savings?  Some people will be mostly in debt to mortgage, and others will hold retirement savings.  I'd love to say we should just pay each other's mortgages and take care of each other, but that seems naive.  I propose that the collective pay working individuals' mortgages, not unlike how wages would be paid by any company.  Inversely, retirees whose houses are paid off and hold savings should submit some currency each month to the administration that is pooled together.  Keep in mind this arrangement is purely transitional, and as confidence and trust grows, larger sums could be given to pay off larger chunks of neighborhood mortgages, quickly establishing total group ownership of the collective property, until no one is owed or owes.  Young people will work, and retirees will retire, possibly into even more meaningful positions.   National laws must be in place to protect individuals that rely on collectives.

There are scary aspects like, does this mean that we aren't allowed to use hospitals anymore? What happens to our provincial, state and federal taxes? Definitely the collective should have doctors, one if not more, but this is actually something that will improve the quality of care - doctors will be able to care for patients in their homes, in sickness and death.  Let's be honest, most countries' medical care systems are a complete disaster, and it's partly because everybody's sick.  Once we start to take care of each other, we are going to see a change.  It doesn't mean that you can't go to the hospital, roads will still meet the boundary of the collective and if somebody needs to go to the hospital then it's totally fine, but I guarantee you that in a collectivized city, the hospital will be deserted. So then the hospital gets torn down or converted to a much smaller specialized care facility, and the province incentivizes the city's collectivization by cutting everybody's taxes in the city.  Instead of getting therapy, we can start talking to each other.  This will be a moot point once people start to feel belonging and stability.  

What about massive companies like Google and SpaceX?  Such companies should have employees in collective, however, a large company's focus could not be on the permanent well-being of the habitat, since such companies often grow until they are obsoleted and burst.  Let's plan for that and expect life in this habitat to be a temporary residence (years or decades).  It's still most awesome to live where you work.

Can citizens work from home for outside organizations to help bring in cash?  In transition, it might seem to make sense to do that, and will still accomplish a great deal of our goals, however in principle it is wrong for several reasons: working from home is isolating, often employees are not treated with respect, the type of work may not align ethically, and individual finances would have to be maintained in one way or another.  Better than working for outside employers, would be to work for the collective, for outside consumers, however such activities should be arranged by the collective administration.  Remember that the collective only needs approximately 12.5% of the income that it did before collectivization.

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Change happens slowly, except when we are in crisis, then we change quickly - for example, the COVID-19 pandemic thrust us in new directions, and systems adapted because they had to.  Our current economic paradigm is on the brink of crisis, and worsening crisis can be a motivation for change - for example if people are tired of their hard-earned money being siphoned into investors pockets at increasingly alarming rates, most recently via real estate and rent prices, we will at some point say “no more” and choose to live autonomously, but alone we cannot take on the system, we must say no together in groups.  It's fascinating that such a small group of people could fight back so easily against the entire system, but a tiny bit of planning and organization goes a long way toward resisting entropy.  Nobody is at the helm of the mega-economy.