Chapter 5: Rethinking Money – Sustaining Value Beyond a Fractured System

In search of money that sustains life.

How am I possibly responsible for the continuity of a fractured system?
Perhaps in the way I continue to use obsolete money.

The principle known as the 5 % rule refers to the share of one’s total wealth that financial experts suggest holding in crypto assets—particularly in Bitcoin. But why is that? And how can this idea connect to someone whose purpose, as in our case, is not speculation, but investment in real, sustainable value?

“When money aligns with life’s natural balance, value becomes something we sustain—not something we extract.”

Back in the 1990s, when studying Business Administration, one of the core concepts taught was that of stakeholders: the network of actors a company interacts with—suppliers, workers and their families, buyers, shareholders… and, almost as an afterthought, local government.

It’s striking how this once-secondary actor has become one of the most decisive forces shaping the economic ecosystem. Today, public administration not only regulates; it often determines the outcome of any business or investment strategy. One could even argue that every viable plan must now begin by addressing this reality—before considering any other variable.

And it matters now more than ever, because far more is at stake than thirty years ago.


The Invisible Supplier

When observed closely, public administration has evolved into a primary supplier—not of materials or services, but of the very means of exchange: FIAT currency. This binding thread silently weaves the entire economic fabric together. Yet its mismanagement—through persistent monetary expansion and devaluation—gradually weakens that fabric.

Inefficiency in governance translates into economic imbalance, inviting investors to reconsider every decision in light of sustainability. From transfers to budgeting, from accounting to asset preservation, the essential question becomes: What form of money can sustain life, value, and trust over time?

“Each unexamined transaction made in fiat may reinforce the very fragility many of us seek to outgrow.”

Paper money, endlessly printable at will, erodes stability and trust. Each unexamined transaction made in fiat may reinforce the very fragility many of us seek to outgrow.


Breaking the Cycle

No external shock could rival the economic and social consequences of systemic imbalance. When equilibrium fades, the entire ecosystem—human and natural—feels the strain.

Ignorance-driven initiatives perpetuate this cycle. Conscious investors, however, can begin to break it—by reconsidering stores of value and trade through the lens of sustainability.

For investors eager to secure sustainable stores of value, this is where financial intelligence meets ethical responsibility: recognizing that how we transact shapes what endures.


From Fiat to Fundamentals – Toward Money That Sustains Life

To sustain value is to sustain life. When money ceases to represent real effort, tangible resources, or natural limits, it detaches from both reality and responsibility.

Bitcoin and other decentralized forms of money are not merely alternatives; they can be seen as invitations to coherence—to restore the link between energy, time, and value.

In this light, the next frontier of investing lies not in chasing profit, but in reconnecting capital with the living systems that make it possible.

That is where true sustainability begins: in the alignment between what we earn, what we preserve, and what we sustain.


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