Expand Habitat for Humanity in Honor of Jimmy Carter
by John Lawrence, November 11, 2020
The best way to build wealth among poor people is to expand a program that gets them into a house. The debt industry profits off of poor people whether it's Payday lenders, student loan debt, car loan debt, credit card debt or mortgage debt. The debt industry, aka the banking industry, profits off of poor people's debt. That's why the poor need to build wealth which will also close the economic inequality gap. Home ownership is the main way the middle class builds wealth which is then intergenerationally transferable. Habitat says "In fiscal year 2019, we helped more than 7 million people, and an additional 2.3 million gained the potential to improve their housing conditions through training and advocacy." It's not clear how many new houses that 7 million figure represents because they also help people by doing housing improvements. Looking at Habitat's Form 990 reveals some interesting data. They have annual revenues of approximately $300 million. Revenues less expenses for FY 2018 was about $13 million. Without doing an exhaustive analysis of this Form 990, it would seem that $13 million is a paltry amount of money to build new homes if in fact it all went to building new homes. It is to be noted that the CEO made about $400,000. They also seem to spend an enormous amount on advertising and fundraising.
A government program based on the Habitat model could magnify the number of new affordable homes built per year and could be combined with AmeriCorps which is already working with Habitat. Government service building affordable homes should be an alternative to military service with comparable benefits. One drawback of Habitat is that it does not serve homeless or low income families who can't afford a modest mortgage. So a government program based on the Habitat model should look at improving on the Habitat model. Another thing is that Habitat claims to be a "Christian organization." Does that mean that religiously nonChristian families are not eligible? A government program should not have connections to a particular religion but should be open to people of all or no religions. It should be nondenominational. The people who eventually own the homes have to put in a certain amount of "sweat equity." This is good because it makes the homes more affordable. A program based on FDR's Civilian Conservation Corps could employ youths in public service for 2 years building houses in return for free college education and other benefits. These homes need to be solarized and be built in such a way as to be non-emitting of greenhouse gasses.
The best way to co-opt Trump voters is to offer them economic opportunities. Promised economic opportunities (promised but not delivered) are the thing that pushed Trump over the top in 2016 in the rust belt states. A program of building houses ala Habitat not only would help poor people, who are disproportionately minorities, but would tend to placate poor whites who are mainly Trump voters. That's why programs helping the poor can't be labeled "Black Lives Matter" programs. They can't be just for black people although black people would disproportionately benefit. To design a program only for black people would further alienate Trump voters. Bringing this country together, as Joe Biden has professed he wants to do, means that all programs to help people must of necessity be color blind. Another benefit is that people who contribute to public service in AmeriCorps or the Peace Corps will tend to vote Democratic because they will have seen how Democratic programs have benefited not only themselves but other people as well.
Many people who join the military do so for the benefits and because they have no better prospects after high school. Military service for 5 years gains them a free college education plus many other generous benefits, even a pension. They also get brainwashed to vote Republican. Even those working in the military-industrial complex are brainwashed to vote Republican. As a college graduate the jobs available to me were mainly in the military-industrial complex. Once there I was pressured to vote Republican because it was believed that Republicans would expand funding for the military and hence the military-industrial complex. It was thought that a Democratic administration would cut funding for the military-industrial complex and we could be RIFd (Reduction in Force). Expanding programs in the peace industry should have the opposite effect. I left the military-industrial complex many years ago fortunately, and my economic future doesn't depend on future funding it. Many others are not in the same position.
As the nation transitions from fossil fuels to renewables, it's important that workers in the fossil fuel industry have a path to transition to new jobs. The same holds true in transitioning workers in the military-industrial complex to the peace-industrial complex. It's also important to give young people the possibility of serving their country in a way that contributes to peace and economic stability with comparable benefits instead of serving in the military. The peace industry (like building houses here and abroad) needs to become more important than the war industry. The issue of global warming in particular means that all nations of the world must cooperate and foster a spirit of cooperation while putting their antagonisms aside. Peace, renewable energy, economic development for poor and middle class people need to replace a power structure that fosters political antagonism among the nations of the world. Jimmy Carter not only wields a hammer for Habitat for Humanity in his nineties, but also put solar panels on the roof of the White House (which Ronald Reagan took down). If we had had Jimmy Carter for a second term and Al Gore instead of George W Bush (with his fossil fuel loving vice President, Dick Cheney), we would be further along the path toward replacing fossil fuels with renewable energy and further along the path of dealing with global warming.
