A Week of Freedom to Deposit Your Own Money: Cash Deposit Week

Economy
1

:classical_building: What Is This Policy?

Cash Deposit Week

A simple and honest idea to let people use their own money without fear

Once a year, there should be one full week where people can walk into the bank and deposit their saved cash. No questions. No forms. No pressure.

Just one clear week where honest people can step forward without fear.

:no_entry_sign: Why This Is Needed

There is no safe week right now

Today, the law says banks must report all cash deposits over ten thousand dollars. Even when the money is honest and legal, people can be treated like suspects. Some even get in trouble for splitting their money into smaller deposits.

There is no break.
There is no trust.
There is no moment of safety.

This makes people afraid. They hide their savings. They lose trust in the system. That’s not good for anyone.

:unlock: What This Policy Will Do

A clean, safe moment for honest people

  • Give peace of mind to workers and families
  • Let honest people deposit cash without fear
  • Help the economy by bringing saved money back into banks
  • Show that banks are here to help, not watch
  • Bring fairness and trust back into the system

:x: What This Is Not

This is not a way to cheat the system

  • This is not for criminals
  • This is not a tax dodge
  • This is not a hidden trick

It is one honest week.
Once a year.
A clear chance to do the right thing.

:us: What We Believe

Freedom means being able to use your money without fear

  • What you earn is yours
  • You should not feel afraid to use a bank
  • The government should not treat you like a criminal
  • Banks should work with people, not report on them

:white_check_mark: The Bottom Line

Let people breathe again

Once a year
One week
A clean and honest chance to come back to the banking system without fear

Let people walk in proud. Let them feel safe. Let them know they belong.

2

An interesting concept. I have questions:

The proposal states:

How would the bank know if the person standing before them is an “honest” person?

What would prevent a dishonest person from using this week as a means of circumventing the reporting requirements of the remaining 51 weeks of the year?

Don’t get me wrong, I don’t think banks should be reporting deposits to the government. I just don’t see how this would work.

I suppose the government could set up something akin to TSA’s Precheck program. A citizen could submit to having a background check and investigation by the FBI, so they could be certified as an honest person. Then after receiving certification the citizen would need to agree to be surveilled, this would be to maintain his Honest Person certification. A point system could be instituted, one where you would gain points for doing honest things, or deductions for doing dishonest things. In order to maintain your Honest Person certification your aggregate Honest Person score would have to be maintained above a certain point level.

I must add for those who see the point system as an Orwellian concept: I agree and it is offered only to illustrate what measures would be required in order to assure the system isn’t abused.

3

Hi Bill, thanks for the reply

The idea behind Cash Deposit Week is not to sort “honest” from “dishonest” people through background checks, ratings, or surveillance. That would be the exact opposite of what this policy is about.

This proposal is based on trust, not control.

The truth is, there’s no perfect system. And yes, someone could try to misuse it. But right now, the laws are so strict and suspicious that even honest people are scared to deposit their own savings. That’s not healthy for a free society right?

We already give people trust in many parts of life:

1 We trust voters to walk in and cast a ballot
2 We trust people to keep their own tax records
3 We trust citizens with free speech, even when some abuse it

This week would be the same. A simple, clean break. Not because we can track every person, but because we believe the majority of people are just trying to do the right thing

An additional idea could be to cap it at a fair amount. For example, 100,000 usd per person. That keeps the focus on regular citizens and avoids large abuse.

If there is any request for control, we can keep it simple and fair. Like asking people to register in advance that they plan to use the deposit week. Just a basic step to show the system is being respected…

We can also agree on honest limits and clear rules for everyone but still keep the heart of this policy open and easy to use. The goal is not to build a wall of rules again. It is to offer a clean and safe path back in

Of course, serious crimes can still be followed up through other channels. This policy doesn’t erase all law enforcement. But it does give people one chance to step into the light instead of hiding in fear.

Thanks again for your thoughts