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1/ There is no social capital without impersonal institutions to store it in. Human brains can only create/use/destroy it, not store it.
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2/ Or put it another way, Gemeinschaft offers -ve interest rate on social capital store, thought it can seem +ve due to creation>destruction
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3/ Gesellschaft stores can not only offer +ve interest when well conceived, they can also support exchange to/from financial capital
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5/ Why are we unable to invest huge $ surpluses in things like cities, educational institutions etc. like VCs in startups? Low trust
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