The Structure of the Charity System

​Taking a quick glance at all of this might indicate complexity; however, it is the complexity of the free enterprise system, not of government.  Two of the greatest lessons of America’s success is government’s 'checks and balances' and representation.  This structure utilizes the best of those features.  The complexity truly comes from trillions of decisions by billions of people all trying to surpass each other on helping their fellow man with cooperation incentivized. 

​The bullet points above were updated 9-11-2021.  For any minor inconsistencies, please use the updated version above.  I will am leaving this page to show the progression of this idea and the reasoning behind the structure.  This plan remains 98% consistent.

The Basic Structure
The current government at all three levels will not control or be a part of the charity system nor help the poor.

The current government MUST remove all government help to the poor.  The switch is 100% to the Charity System.  The charity system will not work as well if the government stays in the system.  In the blog, Government Should Not Be the Helper of Last Resort; the case is made why the government should not keep a foot in the door.  The government can not make mandates or restrictions.  The Charity System has many representative bodies, and if the need arises and strong enough for 70% of the representative to set rating floors or limit negative externalities, the proper representative body can make that call.

The Basic Structure
Tax law must not contain welfare, deductions, exemptions, nor credits.

A large part of the welfare state or government assistance to the poor is within the tax code.  In the blog: Why Tax Deductions, Exemptions, and Credits Are Bad Economics, the case is made that these tax features harm the poor by discouraging overall economic activity.  These tax features distort the valuable assistance of the role-of-prices. These tax features accelerate the negative effects of the Laffer Curve as explained in the Haley2024 blog: Deductions, Exemptions, and Credits create a faster loss of economic activity.

The Basic Structure
The five sectors of the Charity System dividing responsibilities are the charity, CDA, AO, Family Law, and religion.

1. The Charity Sector distributes the help.
2. Charitable Distribution Associations (CDA) are in the funding sector.
3. Charity Assessor Organizations are in the case manager sector.
The first three are exclusively in the Charity System; the next two have significant roles outside of charity.
4. The Family Law Sector does family law and often the first line of helping those in need.
5. The Religion Sector allows churches to organize and coordinate.  Religion has always provided significant motivation to people to help those in need.

The Basic Structure
Every sector is made up of roughly a dozen Competitive Regulatory Agencies (CRA’s).

With 5% to 20% limits on the size of organizations, there will be about a dozen organizations under every sector board.  With that many choices, everyone and every business will be able to pick an organization close to their philosophy of helping the poor.  The fact that only those associated with each organization vote on their leadership fine tunes every organization’s philosophy.
If an organization starts to fail, they will lose people, and if they drop below 5% they will be dissolved, and people will have to pick other organizations.   If they succeed and grow by over 20%, they will multiply into at least two organizations.   
This selection by every individual is a true representation of the people’s will.

The Basic Structure
Every person MUST become a member of one CRA per sector.

​Every person will fund their CDA.
Every person’s association with their AO will be very little if they are not in need of charity.  However, their vote for the leadership of their AO’s is a check on abuse. 
Every person’s association with their rating agency in all five sectors is perhaps the greatest check on abuse.      
Every person’s association with a charity CRA is their pathway into the charity economy.  The charity economy is how each citizen can do their part in the division of labor regarding fulfilling serious unmet needs.
As the system emerges, every person’s associations and their vote on the leadership of their organizations will be key factors in constant improvements of the charity system.

The Basic Structure
Every CRA only governs their members.  Members elect their leaders.

The main benefit and feature of CRA’s are that each CRA governs only their members.  Some CRA’s will try to micromanage, and other CRA’s will be very libertarian-minded.  Some CRA’s will push high ratings and others will try to allow moderate ratings.  The consumers will have a significant influence on rewarding or punishing high and low ratings by their buying choices.
Only the members choose the leaders and representatives of their CRA's and RA's.   Every CRA and RA decide on their election process and terms.  Many variations are likely.

​The Basic Structure

Every CRA, CDA, RA, and AO will have leadership with different viewpoints.  If a system is set up right and the correct incentives are put in place, a supervisory or representative board has very little to do.  It is likely that sector boards will be groups that collect and analyzes data from their sector and compares examples from other sectors. 

Sector Boards will be involved in setting up, organizing, and enforcing rating floors with the rating system.  Rating floors can only be established when negative externalities are affecting third parties.  Rating floors require a 70% representative vote with a 40% vote to repeal or lower the rating floors.

The Basic Structure
All sectors have a rating system, thus five representative bodies made of roughly a dozen rating agencies each.

All sectors have their scope of authorities and responsibilities.  Each rating system will rate on how well CRA’s in their sector are meeting their sector’s responsibilities.  There are many viewpoints on the desired outcomes and the desired means of achieving those outcomes.  Having a dozen RA’s per sector allows every citizens’ viewpoint and desires to have representation.  A dozen RA’s evaluating in different ways will bring quality information that every citizen can trust.   Quality information and citizen’s reliance on that information to direct their money and labor resources to the CDA, AO, and charity that they think is doing the best job will yield a great charity system.

The Basic Structure
All ten representative bodies have a very focused set of responsibilities, authorities, and interests.

One of the big Haley2024 government reform ideas is to divide government responsibilities into 30 sectors.  Another big idea is to have a CRA side and a rating system side to each sector.  Each sector has certain responsibilities and authorities.  The CRA side regulates and the RA side rates.  This division of responsibilities and authorities is much more focused compared to the current representatives that try to govern and provide oversight to all sectors. 
Leaders of CRA’s and representatives of sector boards will have greater concentration and expertise in their sector compared the current government.  The high majority of governance occurs by each individual’s selected governing agencies (CRA’s).  Only a few sectors need to move up to the representative sector board level.

The Basic Structure
The Charity Sector provides assistance.​

The Charity Sector is where the help happens.  Charities fulfill unfulfilled needs.  The regulations surrounding charities could increase or decrease efficiency, productivity and proper use of resources.  Competition and ratings will be valuable.
The food sector will help create many models of food distribution.  The medical sector will assist in providing many healthcare models to assist those in need.  The ever-increasing standards created by the competitive nature of the system will allow resources to reach further.

The Basic Structure
The Charitable Distribution Associations (CDA’s) make-up the funding sector

Perhaps the most important sector of the thirty is the CDA Sector.  Every person must ‘donate’ time or money to a CDA they think is doing the best job.  Every CDA examines every charity carefully and determines how much to fund each charity.  CDA’s do not help directly.  All help goes through charities.  The system is dynamic in that charities can work with businesses in complicated business/charity models. 
CDA’s must look at the full scope of needs and make sure each area is properly funded.  Medical, housing, education, food, and mental health are the big areas of concerns; however, other areas need attention as well.

The Basic Structure
The Assessor Organizations (AO’s) are in the sector providing the caseworkers.

​The Assessor Organization (AO) Sector is the case management system.  The AO’s will implement the subjective determination analysis.  AO’s have the best interest of the person in need, in consideration.  If the AO does not have good results, they will be rated low and lose market share.
To that end, they can require anything they wish to distribute the aid.  Work, education, apprenticeships, helping others, and reducing government expenditures all will be rated well.  The competition to help others is an exciting feature of this system.  The Charity Economy built into the system will revolutionize how people helping people, benefit themselves.

The Basic Structure
Caseworkers have discretion, discernment and can use subjective determination.

AO’s will be able to use subjective determination that is far superior to the current government welfare system.  Competition from all CDA ’s to earn the membership of each citizen will bring every AO’s subjective determination under scrutiny and leads to ever-improving standards.
Every AO can use whatever determination they wish.  If it is abusive or immoral, they will be rated low and quickly lose market share or even go out of business.  If 70% of AO rating representatives decides that an AO is too abusive, they can create a rating floor.  CDA’s need to send the poor to an AO.  They are not likely to pick an AO that is abusive.  The checks and balances within the system are profound.  If the AO decisions were all decided at the representative level, it would ruin the needed experimentation.  The current representative government system is abusive and showing bad results.

The Basic Structure
The Family Law Sector will always be the first line of assistance.

There are hundreds of issues of family law.  There is much debate regarding each issue.  Many people want marriage laws to be conservative, and others want much more liberal laws.  Correct laws regarding children are vital, so a monopoly on those laws are not wise.
It is not just two ways per issue, but dozens of variations surrounding each of the hundreds of issues.  Nobody should force others to live under a system of laws with which he or she disagrees.  If there were a dozen family law CRA’s with different regulations under each, everyone would have a close fit for there values.

The Basic Structure
The Religion Sector will capitalize on using the greatest motivation in “caring for the least of these.”

The Religion Sector is not to regulate churches; they should always have religious liberties.  The religion sector is to organize.  Businesses, the charity system, education, the health care system among others, looking for higher ratings will likely incorporate religion into their plans.
Having multiple CRA's in which to choose, will allow total freedom; however, as like-minded churches come together, big things are accomplished.

The Basic Structure
A dozen agencies per representative body will compete for every citizen’s membership, thus their trust, by having the best results as defined by each citizen.

Every citizen and every business must belong to a CRA and an RA in every sector.  Roughly a dozen CRA’s and about a dozen RA’s will be competing for every person’s and business’s membership per sector.  Too many people quickly think that every business will pick the CRA with the least regulations; they are wrong.  Most businesses far exceed most government regulation on many items and love to advertise that fact.  Consumers will reward good ratings and punish low ratings naturally through their buying decision. 
When the decision is regarding charities, CDA’s and AO’s; people naturally want their money and charity hours to yield the best results.  The best results are subjective; therefore, everyone picks to become a member of one of the dozen options.

The Basic Structure
Roughly sixty rating agencies across all five sectors will give quality information so every citizen can reward or punish positive and negative results.

​Five rating systems with about a dozen RA per system yields roughly sixty rating agencies.  This many RA’s will yield a lot of high-quality information regarding many aspects of how charity is working or how it is failing.  Each RA sets their own standard on how they are going to rate their sector.  Many RA’s will take many approaches. 
Many will think out of the box, where some RA’s will thrive, and others fail.  Every citizen is only a member of one RA per sector; however, many people will read the reports and ratings of many RA’s they trust.  When people have quality information, they make quality decisions on the best CDA, AO, and charities to support.  Standards will rise.

Funding the System through CDA’s
CDA’s are the main funding organizations.

The roughly dozen CDA’s compete for the membership of every citizen and the donations and labor hours that come with that membership.  Every CDA will use different AO’s.  Every CDA will decide funding levels for different charities.  Every CDA will have different views on the charity economy.  Every CDA will have different views about cooperation with other CDA’s.  Some CDA’s will attempt out of the box thinking and dynamic interaction with the business community.  
Every CDA will have different views about building individual charity capital as part of a retirement plan.  It is crucial that the representative sector board has no say on how a CDA does their business.  If a citizen wants their preferences on how to help the poor, they have to allow others to have that same choice.

Funding the System through CDA’s
Every person (13+) picks which CDA to fund with their required 5% of their income donation with a minimum $1,500 a year.

​Every person and entity must be a member of a CDA.  Part of the requirement to be a citizen of the state is to contribute 5% of one’s income to their chosen CDA with a minimum $1,500 yearly donation.  The reason for the donations starting at the age of 13 is because teenagers need to start learning a volunteer lifestyle.  Volunteering can teach considerable positive life lessons.
 These donations or more likely volunteer hours inculcate teenagers into living in a community.  Teenagers will see people with challenges and know that help is also there for them if needed.  High schools, scouts, youth groups in churches, and communities centers are likely places to coordinate volunteer hours.  An average of three hours a week will be normal to achieve the $1,500 a year.

Funding the System through CDA’s
People may donate time versus money in the charity economy.

This feature incentivizes citizens to start a volunteer lifestyle.  If a citizen is working for a charity, they have an inside view about the value they are giving.  Many people will try out working for different charities and likely stay with the more efficient charities, thus raising the standard of the entire system. 
Teenagers will likely use their volunteer hours in on the job training.  There is a great need for nurse’s aid services and great value in many people gaining the training early on to have greater value over their lifetime.  There are so many skills that will enhance volunteer hours, and CDA’s will compete for the best ratings in utilizing volunteer hours.   Many schools will set up a system of students tutoring younger children.

Funding the System through CDA’s
Many companies will allow employees to work 5% more hours without extra pay.  The funding or company services will help the poor or charities.

There will emerge a very dynamic structure where almost all companies can translate their normal work to helping the poor.  All CRA’s from all 30 sectors will compete for how every company can get high ratings dealing with charities.  As a company increases ratings, CDA’s could sign off on all or part of the donations.
 The simple example is that an employee works 5% more hours without pay and the company transfers the money to CDA’s.  However, dynamic means a more complex system that charities, CDA’s, AO’s, and RA’s can clearly see value coming from a company, and thus the employees get credit for some or all the required donations.  This could increase efficiency if all the parties involved have the right incentive structure.

Funding the System through CDA’s
Money raised in the Charity Economy revert to CDA’s.

There are going to be some volunteer hours that are directly helping the poor and charity money is just saved.  However, the dynamic nature of the system might have those volunteer hours in temp agencies or other arrangements where money is ‘earned’ outside of directly working to help the poor.  Having the money earned, revert back to a CDA is a check and balance matter.  The CDA’s job is to fund charities. However, this could stop some abuse. 

Funding the System through CDA’s
The CDA Sector Board will fund the rating systems.  The Parent Sector Board will decide the amount.  The rating agencies are encouraged to have business model funding to be partially self-funded.

The rating system is a key part of the checks and balance of the structure.  While some ratings will happen naturally without a mandate, this system has built-in responsibilities for the rating system.  While most ratings are just influential in nature, the rating system does have real powers in the judicial system and applying rating floors.  Therefore, there needs to be a stable funding source for RA’s.  The Parents Sector Board will decide the percentage; however, business model funding will be encouraged.  Incentives built into the structure will be important to adjust to keep integrity.

​Funding the System through CDA’s
Every CDA will contract out Assessor Organizations (AO’s) as the case managers for those needing help.

A good case manager that has experience, wisdom, integrity, and a history of good results is likely the most important part of this whole system.  A CDA will fund AO’s for all the people requesting help from that CDA.  While those funds could come from the required donations, AO’s will be requiring work from the people they are helping.
It is likely the funds from that work will cover the AO’s expenses, however as stated above, the money will revert to CDA’s.  Many business/charity models would emerge.  CDA’s that go ‘cheap’ on assessors will likely yield poor results and eventually reduced CDA’s funding by people seeking better CDA’s for their donations.

Funding the System through CDA’s
CDA’s will fund charities within their philosophy.

CDA’s do not do the actual work of helping the poor.  They must fund charities.  The funding will give the CDA a lot of power by stating that they will get the money if they do things a certain way.  That is a built-in part of the structure.  A charity can try to ‘sell’ or ‘educate’ their benefits to many CDA’s.  It is likely that many CDA’s will use the same charities as other CDA’s.  It is very likely that there would be requirements that charities work with and respect AO’s.  There are many philosophies of how to help and even many regarding the desired outcome.

Assessor Organizations
Those that request help MUST choose a CDA and a CDA MAY accept.  Either side may choose to end the association at any time or for any reason.

Everything works best when there is a two-sided agreement.  Allowing anyone to force their way into a relationship, wrecks the relationship.  Everyone has about a dozen choices of CDA’s to pick, if one does not accept them, they can go to another.  The decision does not need to be justified.  However, the two main causes are likely the lack of funding or the poor’s unwillingness to help themselves. 
As an example; if 8% of citizens fund a certain CDA, they might run out of money for charities they fund to help 13% of the poor.  At some point, they will have to refer some of the poor to other CDA’s.  This limitation is an important feature, not a negative.  If a CDA is unwise with their charity and yields poor results, thus poor ratings; citizens will change what CDA they are supporting.  These limitations force more of the poor to better rated CDA’s which yield better outcomes.

Assessor Organizations
The CDA MUST assign those seeking help to an Assessor Organization.

​It would be prudent to associate with a CDA and an AO that work together.  When or if a citizen needs help, they will already be in the system and have a relationship with the AO.  The reason for ‘must’ is a simple check within the check and balances.  The structure will likely mandate a minimum rating on AO’s to stop abuses. 
 AO’s will guard against the gaming of the system.  Checks and balance are vital.  The current government welfare system has many hard and fast rules, that does great harm.  The value of subjective determination with the ability to say NO is the largest benefit to the charity system.    
Every AO will have different policies. However, an AO will case manage a certain number of people seeking help.  An AO will look at the poor’s situation and assess their needs.
 

Assessor Organizations
People needing help are free to ask another CDA, thus assessor for help.

Every person seeking help can go to any CDA they wish, which solves most of the discernment/discrimination issues.  However, a big check within the checks and balances is each CDA only has the money and volunteer hours from their members.  A CDA that passes out money too easily without good results is limited to how many people they can help by limited funding. 
If none of the roughly dozen CDA’s take on a person, that means over 95% of the citizens said “NO” and that “NO” needs to be respected.  That total exclusion would be only in the most extreme cases.

Assessor Organizations
Assessors are the case managers of those that need help.

​A good AO will look deep into a person’s life to determine what went wrong that led to serious unmet needs.  A good AO will have strong privacy protections.  Many people do not help because they do not want to enable dependency or destructive lifestyles.  Once a trusted AO makes the claim that the person or family are on a good path, help will flow easier. 
There does not need to be an open book on the life of the needy; just the select trusted few that signs-off on a path forward.  Many people do not want to know everything about the person they are helping; they just want to know that a trusted AO that shares their values has the person in need on a good path.

​Assessor Organizations
Working closely with the Family Law CRA’s, Religion CRA’s, and Identity CRA’s, assessors will look into a person’s life to properly assess the best path forward.

​Many AO’s will be life coaches with experience and wisdom.  AO’s will quickly see the wrong pathways and roads to a better life.  Many volunteer hours for people in the charity economy are likely to be mentors.  Many of the elderly that can no longer produce physical labor hold great wisdom and life experience.
 A common practice is likely pairing someone that needs a mentor and an elderly couple that needs physical labor, each helping the other.  The wisdom of an AO is to match people in need with the right mentor such as someone with military PTSD with an old veteran that understands.  Training where necessary will be vital and often using other volunteer hours.

Assessor Organizations
Often people need help because they made bad life decisions.  Because they are falling on the mercy of others for help, assessors can make certain moral and lifestyle requirements to stay within that CDA.

Some people did not receive the greatest advice growing up and have slipped into bad habits.  Those bad habits are leading to poor results and serious unmet needs.  Those bad habits put a burden on society.  This charity system cannot take away a person’s liberty to make bad decisions.  However, the person in need cannot demand help from the charity system; they must request the help.  
These lifestyle requirements come after the discussion of life-choices. Often, if a person will not stop destructive choices, the AO will recommend the termination of the association with the CDA and the person in need.  Many CDA’s will fund mental health and drug treatment programs; however, stipulations are required.  If someone is not willing to work or he or she can not stop drinking and taking drugs; many AO’s will recommend his or her CDA cut ties with them.
​  ​

Assessor Organizations
Assessors can also require work and education to stay within that CDA as determined by the assessor.  All funds earned will revert to their CDA.

Too often the current government welfare system limits or forbids work to stay qualified for benefits. Other benefits require work.  A large percentage of those receiving aid can produce real worth with their work.  Often, accommodations are needed.  Some charities will specialize in gaining real worth from work from the disabled.  Better ratings are likely when that work is combined with education to increase the poor’s human capital. 
There are serious problems of benefit cliffs in the current government welfare system.  CDA’s, AO’s and charities can solve these issues.  People have a better life in many ways when they are earning their living, even if it is only a percentage of their living.
As stated above, the funds reverting to CDA’s is a check in the check and balance system.

Assessor Organizations
Assessor Organizations will likely utilize the Charity Economy for both work requirements and benefits, seeking the highest level of interdependency.

Every charity CRA will set up their own charity economy, and the Charity Sector Board will run a combined charity economy.  It is likely that most volunteer work will be in the charity economy.  With every business and every CRA looking for the best ratings, one can imagine large interweaving of the charity economy with the regular economy.  If done well, assessors will have plenty of options to both put people to work and to receive work directly to help the poor.

Assessor Organizations
Assessors will coordinate benefits from charities that their CDA funds.

For proper help, some micro-managing from AO’s could be helpful for a short time.  However, the goal is for the needy to regain independence.  Therefore, a clear pathway needs to be set up to have people gain their liberation from the system.  Every CDA will have their own policies. 
Staying in the charity economy by supplying over 10% more work in the system than receiving, means the needy is now independent and no longer require an AO assessment.  Assessors will find the best assistance to help the needy and will coordinate the right amount and type of help.

​Assessor Organizations
This system does not restrict religion from any part of the system.  However, individuals will always have non-religious options.

​Many people do not want religion involved in helping the poor and others think religion is vital.  At least one CDA, CRA, AO, and RA must stay secular.  However, the others have no restriction on how much religion to include in their mission of helping the poor.
Churches and other religious organization have dominated volunteer giving and helping the poor throughout history.  It is a strong part of the churches teaching and culture.  Even the few times an organization did not originate at the church level, most leadership still had religious underpinning.  There are/were very few atheist charities now or in the past.  Religion is profoundly missing in the current government welfare system and one of the largest reasons for negative societal results.

The Rating System
The Rating Agencies (RA’s) will hold every aspect of the Charity System accountable by giving quality information and ratings.

Building the rating system into the CRA structure with specific inherent powers is a key check on all organizations.  Most of the power is influential by just posting a rating and the reasoning behind them that others will use in their association and purchasing decisions.  Spreading that much power over many competing RA’s is vital. 
RA’s will have some highly moral and ethical people to look deep into a business’s books and practices.  The balance point will be a debate; however, businesses seeking better ratings will open up to high-quality RA personnel with strong privacy and non-disclosure agreements.

The Rating System
One’s association, meaning one’s trust in one of roughly a dozen RA’s, give their RA more influence.

​There is a separate rating system connected to all 30 sector boards.   Every citizen picks which rating agency they wish under every board.  The number of ‘trusts’ or rating agency associations increases the size and real power of that RA within the board. Overall ratings will be weighted by the size of each RA and the Rating agency sector board would have proportional representation to the size of each RA.

The Rating System
Every RA will rate on the factors they decide are important and rate those factors in a manner they decide.  Other RA’s will make their own decisions.

​Any person paying attention to the political scene realizes that liberal, conservative, libertarians and others see the world in vastly different ways.  They have different views on ways to achieve their objectives and very different desired outcomes.  In that light, different rating agencies will likely rate very differently.  Every person will likely come to trust certain rating agencies and make their decisions based off their chosen RA’s ratings. 
There is a common saying that liberals value helping greater numbers of people and conservatives value how many people no longer need help.  Many liberals would rather see those with disabilities fully dependent, where conservative see great value in the disabled being allowed to work and being interdependent as much as possible.

The Rating System
Superior performance, represented by high ratings will attract greater membership to highly rated CDA’s.

​It is very likely that most citizens will want their donations to do the most good.  Most people do not want their money wasted nor do they want to enable an unhealthy lifestyle.  Most people want their money used prudently and efficiently.   Most people want their money used to empower the poor to independence.  When a CDA, working with an AO and charities produce great results, they will grow their membership.  CDA’s with poor results will lose members.

​The Rating System

​It is difficult to determine the worth of charities.  The factors are numerous.  There is disagreement on the definition of success.  There is disagreement on the method of measuring success.  When one rating agency is dominate, charities often try to game the system by playing to their metrics.  With roughly a dozen RA’s that have different methods and values, every citizen will have an RA that is close to their way of thinking. 
The major reason to build the rating system into the CRA system versus allowing private rating agencies to just develop on their own is that RA’s have certain authorities to look deeper into an organization or business to find the good and the bad.  Often, charities have large transaction cost to prove their worth.  Worth is usually demonstrated over time.

The Rating System
Increased membership results in the control of additional financial resources and labor hours.

​One of the great benefits of the free enterprise system is that businesses that serve others the best, as defined by people turning over their hard earned money, is allowed to continued demanding labor hours as a result of them making a profit.
A business that can not cover their costs loses money and quickly loses the ability to control labor hours.  This charity structure brings that same logic and price/quality determination by millions of people to charities.  People’s donations and volunteer hours will naturally drift towards better systems.

The Rating System
CDA’s with poor ratings result in lower membership, thus decreased control of financing and labor hours.

​The ability to experiment is a great benefit in the free enterprise system.  The role of prices uses billions of decisions by millions of people to determine the success or failure of a product or business.  Losing money with no prospect of a long-term plan for profits means shutting down a product line or business.  When a CDA has a long-term failure rate in helping the poor compared to higher rated CDA’s, they will lose members and their donations; yielding less control over labor hours. 

The Rating System
The Rating Sector Boards will combine scores, weighted by the percentage of people trusting them to give an overall score.

​Every rating agency totally decides how they will rate.  All the RA’s will have their values, metrics, opinions, and rating philosophy.  However, the rating system will force a single way of expressing the ratings.  It would be confusing if one RA used letters, another RA used a scale of 1-10, and another RA used the scale backward from 10-1.   What if some RA’s used a 4-star system and another RA used colors. 
Haley2024 proposes that all rating systems standardize into a 1-100  system with one being very poor and 100 being the best.  Every RA gives a score, and every RA has an APP showing a good write-up of all their findings and reasonings.  The overall rating score is a weighted score based on all the RA’s and their membership levels.  The overall rating score MUST be listed prominently.

The Charity Economy
Every Charity CRA will set up their charity economy, and the Charity Sector Board will set up a combined charity economy.

​An economy is when people trade services for services.  Often, services are reflected as products, however for simplification purposes; the term services will mean services, products or anything of worth.   The charity economy will be very diverse and dynamic; however, the base is a list of all serious unmet needs on a website, and anyone can bid on fulfilling those needs.  Citizens can fulfill needs with volunteer hours.  Companies could fulfill needs using employee volunteer hours.
Having a separate charity economy for every charity CRA is a check in the checks and balance of the system.  However, there will be great value in intertwining all the charity economies.  There are positive and negatives to working within just one charity economy and positive and negatives to working within a combined charity economy.

The Charity Economy
Everyone is in the Charity Economy by being associated with his or her charity CRA.

​Everyone is in the charity economy.  Everyone can work their hours instead of paying their 5%.  Every person’s association with a charity CRA is their pathway into the charity economy.  No one is forced to use it; however, it is available to everyone.     
Every charity CRA will set up their own charity economy, and the Charity Sector Board will run a combined charity economy.  It is likely that most volunteer work will be within this economy.  With every business and every CRA looking for the best ratings, one can imagine large interweaving of the charity economy with the regular economy.  If done well, assessors will have plenty of options to both put people to work and to receive work directly to help the poor.

​The Charity Economy
Any person not asking for help through a CDA can work and receive benefits at their will by being a net giver by 10%.

​People will be encouraged to volunteer more hours to the system in exchange for work being done for them.  If a citizen’s mandated donation or volunteer time is satisfied, people can work within the charity system as net givers by 10%. 
This additional 10% is a check against the roughly 10% tax avoidance of the charity economy.  Many people could use the charity economy while unemployed or need a second job.  A stay at home mother might provide services and receive much-needed services to help the family make ends meet.  The options are endless.

The Charity Economy
Net givers do not require assessments.

​Without a doubt, an assessment is an imposition.  Those asking for help need an assessment for their own good and the to ensure the donations actually helps and not enable bad behaviors and destructive lifestyles.  People who want to be a net giver by 10% do not need that assessment. 
They are not asking for help.  They are offering their labor and services in exchange for labor, products, and services.  An offer of a greater variety of services and service opportunities are helpful to the charity system.  Assessors are likely involved in the coordination.

The Charity Economy
Assessors can require work in the charity economy of those assigned to them through a CDA.

​Everyone who is a net receiver in the charity system must be assessed.  The assessor makes the decisions regarding whether the person in need must work.  Other than a rating floor, assessors can use any criteria they wish to decide how many hours of work a person will work.  It could be zero, or it could be eighty hours.  The factors are numerous. 
If a father is working full-time and has a lot of responsibilities at home, yet still needs some help, it is doubtful that an AO will require many hours from him.  The small number of hours might be mentoring a teen in the neighborhood that needs a father figure.  On the other hand, a fully able 23 year old without responsibilities or a job should have significant hours as an apprentice with many extra educational hours.  The poor’s request for help should yield a response of high expectations from AO’s.

The Charity Economy
Prices are set by the charity economy to entice workers and consumers.

​One of the reasons for separate charity economies is how many people will use prices differently.   Some charity economies might resemble a temp agency.  Some charity economies will utilize bidding systems.  Some charity economies will allow household chores such as maid, landscaping, and handyman services.  Businesses could list many short and long-term jobs.  Some charity economies will favor apprenticeships.
Some charity economies will take over or start a full business such as landscaping.  Some charity economies will experiment with the gig and sharing economies.  All charity economies will have to consider good ratings, and the dozens of metrics RA’s will use.  Databases of skills, talents, certificates, education and past results will help match needs with workers.

​The Charity Economy
People will be encouraged to offer their skills and post job opportunities.

​People will be encouraged to list odd jobs that they want to be done in exchange for money or more of their volunteer hours.  It might seem strange for a middle-class guy doing landscaping for a rich guy and calling it charity; however, if that rich guy trades one hour of doctor services to fulfill an unfulfilled need in exchange for someone cutting his grass, then that grass cutting might translate to saving a life.  Many new dynamic ideas will emerge that will provide greater opportunities to provide and receive services.

The Charity Economy
People may donate their required 5% of their income by working through the Charity Economy.

​Many companies will allow their employees to work 5% more hours and either transfer the money to the CDA or do work directly to help the poor.  Charities, CDA’s and RA’s can understand the dynamic nature of many models and give proper credit where it is due.   The possibilities are enormous when the business allows the use of their assets.

​The Charity Economy
Companies will be encouraged to utilize their infrastructure for the greatest efficiency within the Charity Economy.

​Often, a business has many assets that charities could use, even if different than the normal business use.  Many churches build classrooms for Sunday School that are unused the vast majority of the time.   Most buses are underutilized.  Warehouse space is often empty. 
Often, employees go on light-duty because of an injury and become underutilized.  When businesses chase higher ratings than their competitors, many will give more than the minimum.  New models and innovation will flourish.

The Charity Economy
All organizations will be in dynamic business/charity models, seeking the best ratings by taking care of the most unmet needs.

​Every business under every sector, meaning EVERY business will be rated on how they interact with charities.  Those ratings will influence people’s buying decisions.  If two ‘identical’ products are competing, and they have the same price and quality, however, one has a 60 rating on charity, and the other has an 80, then people will naturally choose the better-rated product even if it does not give them more value in that particular product.  The value of a professional rating system will yield many benefits.

​The Charity Economy
People can build capital in the Charity Economy.

​Many people save for their retirement in the regular economy.  There will be accounts in the charity economy as well.  If one works extra hours in the charity economy while they are strong and able, then those hours will be given to them when they are in need.
A simple example is that a person cuts the grass of an older adult when they are in their 30’s then somebody will cut that person’s grass when that person is in his or her 80’s.  One might help in a nursing home while young and have extra services to help when they need it.  Sure, money can serve this purpose as well.  However, the charity economy is an additional option.  Features of insurance and annuities can also be in the charity economy.

​The transition

​The transition from government welfare to charity is very important.  After a few years of preparations, roughly 15% of welfare programs will switch over per year, full programs at a time.  Those programs will have an exact cost that government will no longer have to fund.
Tax rates will drop to match.  The tax savings must be donated to CDA’s by the individuals.  CDA’s will start funding charities that are fulfilling the need of those canceled welfare programs.  The minimum donations of every person over 12 years old, will increase every year until it hits 2% of the median household income or an inflation-adjusted $1,500 per year.

Render to God what is God’s

​No one knows the level of religion that will eventually be in the charity system. However, it will be more than the current welfare system.  There is a real constitutional case against the current system because it reduces religious activity.  This structured system solves that issue.
Many churches will have highly dynamic charity structures that originated from biblical commands and the hearts of the people.  Many churches will do more than the minimum because of the biblical teaching.  Many people will show God’s love through the help. 
Individuals will be able to help another individual out one on one.  They will invite an assessor over to evaluate the situation and report the results to the CDA as their contribution, and it will be rated.

In the blog: Disaster Relief in A Haley2024 World, the case is made why disaster relief after a natural or man-made disaster should shift away from government.  Government’s role grows after claims of inadequate response.  Government’s increasing role is crowding out private, free enterprise, community, church, and others’ role.  The dozen charity economies among over 300 CRA’s competing to have the best ratings on disaster relief, and over 300 RA’s competing to rate all the different methods dynamically will yield considerably better results.  Certain representative organizations could mandate extra volunteer hours in the charity, military, and first-responders sectors.