Jokers on Files.

Joking Jokers

In 2002, I began working as an Oracle database administrator at a government agency. Most people in the Netherlands know about the agency because it processes traffic fines. Therefore, it isn’t popular with the general public, just as the Internal Revenue Service isn’t. If someone asked who my employer was, I kept it vague and said the government or the Department of Justice. It didn’t take long before something went seriously wrong. On my second day on the job, one of the production systems crashed after running the batch jobs, leaving the database corrupt. In hindsight, that was a bit peculiar. After three days of searching, which included a weekend, I still hadn’t found the exact cause. When the operator restored the backup of the previous evening, which was still valid, and ran the batch jobs, the database became corrupt again. It was probably a software bug, so I advised restoring the backup from the previous evening and upgrading the database software to see if that would solve the issue. Instead, the IT director declared a crisis and set up a multidisciplinary task force to address it.

The head of the task force was a corpulent project leader who decided we should find the cause, which I hadn’t uncovered. I just wanted to fix the problem. Every day at 10 AM, there was a meeting to discuss the state of affairs. Every day, I proposed to upgrade the database software to see if it would help. And every day, my proposal was brushed aside. I would have done it myself, but I was a brand-new hire and didn’t have sufficient access rights. And the agency used VAX VMS, an unfamiliar operating system, so I couldn’t install software or restore backups myself. Two weeks later, after the experts had weighed in and after hiring a database corruption expert from Oracle, the cause remained elusive, and managers were getting desperate. Finally, they were willing to consider my suggestion. And it solved the problem. It was a harbinger of things yet to come. During the review, they grilled me for not being interested in researching the cause. I was not a team player and said solving a crisis was more important because it was a production system, so the users needed it to work. And the upgrade demonstrated that it was a software bug.

If you had prejudices about the government, my employer didn’t dispel them. You expect red tape, risk-avoidance, rule-following, and the like. It was all there. One department excelled. If you made the request incorrectly, they would do nothing, even when it was clear what they had to do. You couldn’t disturb them between 10 and 11 AM when they were discussing the work. They didn’t seem to do much, so what did they discuss for 1 hour a day? Some colleagues may remember my so-called crusade against bureaucracy. I often made jokes about bureaucracy and solved problems while ignoring red tape. Still, we perform our job effectively and efficiently, as traffic offenders would agree. And results matter most. Governments are bureaucratic because they implement rules.

Everywhere you go, some people work hard, while others take it easy. I have seen people doing little in corporations for profit as well. At my first project at Cap Volmac, we did nothing for months. Still, I have the impression that the pace of work in the government bureaucracy is, on average, slower than in the private sector. It is hard to put a number on it, but there is a difference. There is less pressure. Decisions take time and require more meetings. This is not a representative picture of the entire public sector. Police officers and teachers may experience stress. But most bureaucrats live calm lives. The hours you work for your employer are working hours. Cap Volmac required me to invest private time in education and corporate meetings. Finally, government employment is more secure.

When I came to work there, another database administrator, Dirk-Jan, a senior who had done several other jobs and hadn’t been a database administrator for long, was already there. After two months, Kees arrived, and from then on, we were three. Kees had a technical background. A few years later, Rene also joined the team. The agency also hired a security officer, a guy in a suit who soon began to make our work harder with unnecessary procedures. For instance, we had to lock up our Oracle manuals in a secure location after work and bring the keys to the porter’s lodge. But our manuals were public information like Windows manuals. Today, you can find this information on the Internet.

At the same time, the system that processed traffic fines had a superuser named after the system itself, with a password equal to the system’s name. Several other systems had the same issue, so the superuser and its password were the system’s name. I notified the security officer, but, being a true bureaucrat, he had more important things to do, such as attending meetings, inventing procedures, and preparing management reports. He added the issue to his list. But an issue like that called for immediate action. And so, I contacted a few senior programmers, and together we fixed that problem.

There were other issues with access rights as well. As they would say in the Professional Skills course, ‘There was room for improvement.’ If a new employee came in, the service desk made a ticket stating, ‘Create user account X as a copy of account Y,’ and sent it from one department to another. Usually, it took two weeks for the ticket to pass through all our departments, and system administrators made errors along the way. Hence, account X was rarely identical to account Y. If people switched departments or left, the defunct access rights were usually not deleted. Perhaps the audit department had figured this out, as our management soon launched a role-based access rights (RBAC) project.

RBAC works like so. You have a role in a department. In ordinary language, it is your job. For your job, you need access to an array of systems. Your job description determines which rights you need, for instance, to read specific data or change it. As a rule, employees should not receive more access rights than necessary to perform their tasks. RBAC is about the rights an employee in a specific job role needs. Business consultants came in and defined job roles and access requirements. A programmer then built an administrative database. However, the database didn’t connect to our systems, so there was no guarantee that the access rights in our systems matched the administration. And if you know how things fare in practice, you know that the administration would soon become stale and pointless. People are lazy, prone to errors, and forgetful. That would change once the administration and our systems are connected. If the administration was wrong, people couldn’t do their jobs properly, so it had to be accurate.

In 2004, I began building DBB, an account administration system, using Designer/2000, while keeping the bureaucrats out of the loop because they would likely stand in the way and make it harder for me. Only my manager and a few colleagues knew about it. DBB automated granting and revoking access rights in our systems, the RBAC way. It took me nine months, as I also had to do my regular work as a database administrator. But when I was ready to implement DBB on the production databases, bureaucrats became aware of what was happening and tried to block it. In their eyes, this was wildcat development. There had been no meetings, nor were there piles of reports to justify it. In early 2005, I introduced it sneakily with the help of the people from the service desk who wanted to use it. They installed the DBB client programmes on their personal computers. And I was a database administrator, so I could install anything I wanted on any database.

The results exceeded anyone’s expectations, including mine. The service desk created the accounts, so the tickets didn’t have to pass through all those departments. We could issue accounts in one day instead of two weeks. The service desk could reset passwords on the spot instead of relaying the request to a department, reducing the time to reset passwords from hours to seconds. And the access rights accurately reflected job roles. So, once DBB was operational, the opposition crumbled, and DBB became a regular application, even though not an official one, which was an essential distinction for bureaucrats. And so, we had RBAC fully implemented.

The DBB logo was a drawing by my wife. She had made it for another purpose. It features several jokers grinning at a set of file folders. To me, these folders symbolised bureaucracy. DBB joked with the bureaucrats, who considered it a rogue system. Supposedly, I was one of those jokers, so I made one of them my avatar on the Internet. DBB was my love child, just like Fokker once was Jürgen Schrempp’s, and for a while, I was overly attached to it. I ensured DBB could survive if I left my employer by producing design documents and manuals. I also built DBB in accordance with accepted Designer/2000 practices. We employed Designer/2000 programmers to maintain DBB. However, I hadn’t followed the proper procedures when building and implementing it, so it never became official. If something went wrong, it was not a mere incident, as would be the case with an official system, but a reason to replace DBB. That is bureaucratic reasoning at its finest. Something went wrong once, which allowed a high-ranking bureaucrat to block further development of DBB.

There have been two projects to replace DBB. In 2006, the first effort stalled because the planners had underestimated the complexity of the matter. They might have thought, ‘If one guy can do it, how difficult can it be?’ In 2016, a new project team realised it was pointless to replace DBB, as it was doing fine, while doing so would have been costly. The newer Java systems ran on Postgres databases and used web access. They did not use DBB. Our management planned to decommission the old Designer/2000 systems so DBB could retire by then. By 2024, DBB finally retired after nearly twenty years of service.

Bureaucrats have a unique way of doing things. In the case of serious incidents, they began filling out a ticket in the incident administration and discussing who should do what, while I pursued the issue. And sometimes, I had fixed it before others had finished filling in their forms. And I didn’t bother filling in forms. The system for which uptime was the most critical went down the most often. The solution was to reboot the system, but the operators hesitated and waited for a management decision. I said, ‘Just do it!’ And then they did. If it went wrong, they could blame me. I didn’t have the rank to make the decision for them and would have received a grilling if it went badly. But time was of the essence. The database was on an Oracle RAC cluster, a cutting-edge technology that had yet to mature. And that was so for a reason. It had to be operational at all times.

American software corporations like Oracle usually launch their products fast and aggressively market them. If customers buy them, they use the sales proceeds to improve these products and make them work properly. That gave American software corporations the lead over their European counterparts because Europeans believed you needed a good product before you could sell it. That was quite naive. Long before their product was good enough, the Americans owned the market and had the budget to make it better than the European product. In this way, Americans discarded failed products without investing much in them, saving costs. So, Oracle RAC on VAX VMS was not a great idea because RAC was in its infancy. At the same time, VMS was an exotic operating system with few customers, making fixing RAC bugs on VAX VMS a low priority for Oracle.

Not surprisingly, the system regularly malfunctioned, preventing users from accessing it. RAC is a cluster of machines accessing the same database. The idea behind RAC was that if one of those machines crashed, the others would remain operational and the database would remain accessible. In reality, the machines often went down in unison because of communication errors caused by the RAC software. And because the whole point of Oracle RAC was to have less downtime, you could do better without it. The crash corrupted the machine’s memory, and looking for the cause was pointless because it was a bug in Oracle software for which there was no fix. The only thing we could do was reboot these machines, which meant shutting them down and restarting them. That would wipe the memory clean, and the system would work again. I figured that out after one time, so the next time, when the symptoms were the same, I didn’t hesitate. The system was critical. It had to be up always. That was why it was our only RAC system. Otherwise, the police might not identify criminals. It was a database with the records of criminals dubbed Reference Index Persons, and the Dutch acronym was VIP, so the Very Important Persons for the Department of Justice.

Bureaucrats often seem to value rules over outcomes, which made me wonder what they were thinking. It could be something like, ‘If I mess things up, no one can blame me if I stick to the rulebook. But if I do the right thing but do not follow procedure and something goes wrong, my job is on the line.’ If something goes wrong, the government hires consultants to investigate the issue and propose changes to the procedures to prevent it from happening again. Consultants thus write piles of reports and make a lot of money on government contracts. Sadly, the next time, the situation may be different, and then it goes wrong again. Over time, the proliferating rules grow unwieldy.

It might make you think it is better to do away with procedures, but that is not a good idea. The proliferation of rules reflects the increasing complexity of society. It is not a problem that you should see in isolation. When a large apartment building burns out, you see once again why there are strict building regulations concerning these skyscrapers. If you aim for fewer regulations, you build these things in the first place. The government’s task is to provide and enforce these rules. There may be room for improvement. It begins with not creating the problem that gave rise to the regulation. Our office processes traffic fines. If we stopped driving cars, most of our work would be redundant. And perhaps, we should give people more responsibilities, but that means accepting that things sometimes go wrong. The result may be that fewer things go wrong.

DBB not only joked with the bureaucrats, but also with me. In June 2010, I received a highly unusual request from a system administrator to manually drop a user account. That hadn’t happened for several years. DBB usually handled that, but it failed to drop this particular account for an unknown reason. The username was ELVELVEN. If you read that aloud, you say eleven elevens in Dutch, referencing the 11:11 time-prompt phenomenon that had once haunted me for a while. Usernames consisted of the first one or two characters of the employee’s first name, followed by the employee’s last name. In this case, the user’s last name was Velven. I don’t remember the first name, but it wasn’t Elvis. To me, 11:11 signals a combination of two related unlikely events. And indeed, the joke had a part two, and it was even more peculiar.

In 2014, during testing of an improvement to DBB, the test indicated that an unauthorised account had infiltrated our systems. The username was the first character of the first name, followed by the last name of the Lady from the Dormitory. Had She been employed by us, this would have been Her username. Her name isn’t common, so this was unnerving, especially since it was the only username that popped up in this list of sneakily inserted accounts. It couldn’t be Her, or could it? It turned out that a guy with the same last name as Hers had worked for us. His first name began with an A as well. And the account wasn’t illegal. I had mixed data from two different dates in the test, which made it appear that this account had sneaked in illegally. But imagine the odds of only this account popping up on that list.

In 2005, after completing DBB, my manager wanted to give me a promotion, and he only wanted to give it to me. My colleague Kees was a tech genius, and he set up the RAC system while I made DBB, so I said he was better than me. My manager responded with the prophetic words, ‘You have the right vision and make it happen despite the opposition. That is far more important than technical skills.’ DBB solved pressing problems using proven technology, while the RAC system only created problems. We used to reduce system downtime, but it produced system crashes, resulting in more downtime. Somehow, I had become his favourite, and that wasn’t because he was such a good manager. He seemed the type of career guy who never stays long in one job. You know the type. He says he will clean up the mess his predecessor left behind and then hares off after a year or two towards his next challenge, claiming he has put things on track, only for the next manager to come in and claim he will clean up the mess.

He never put his promise in writing, despite my repeatedly requesting that he do so. Just before he left, I pressed him again. As the promotion had not yet come through, he wrote that there would only be a minor wage increase, then filed it with the human resources department for processing. A few weeks later, they summoned me to the human resources department. A personnel officer had raised a technicality. It wasn’t against the rules, but against their policies. And so, I couldn’t even keep the minor wage increase. That was a breach of contract, plain and simple, but to a bureaucrat like a personnel officer, only rules and procedures count. It would have been possible to fix this within the rules, but there was also a thing called policy, so they didn’t. My previous manager had already left, and they blamed him for not following proper procedure. His temporary replacement didn’t care, as he was also on his way to another job. After putting a lot of effort into getting it in writing and with my manager already fobbing me off with a minor wage increase, they gave me nothing. I was angry and walked out of the meeting.

After arriving home, my wife told me that a freelance agency had offered me a job. It was the first offer of this kind in years and the first time since working for the CJIB. I was already considering leaving. That made me make a rash decision and resign. In hindsight, it was a noteworthy coincidence that the freelance agency had called me on this particular day. It didn’t take long before I did get second thoughts. Out of the blue, a strong feeling emerged that the decision was wrong. I can rationalise it by saying there weren’t many jobs for database administrators near home. The issues with my son didn’t allow me to work far away from home, while my physical condition didn’t allow for long travels. That may all be true, but these considerations were not the real reason. And I had done freelance work before, so it was not fear of being self-employed. And a government job didn’t seem right for me. But the feeling grew so strong that there was no choice but to reverse course and try to undo my resignation.

Pride is a poor counsel, so I reversed course. There was a new manager, Geert, and he accepted my change of mind. He pledged to do his best to restore my confidence in my employer. He seemed trustworthy, but actions matter more than words. A year later, he promoted Kees, but not me. Due to a bureaucratic technicality, there was only one position. And perhaps also because Kees was his favourite. That didn’t restore my confidence, so I began to distrust him. Geert was still planning to promote me. He gave me financial compensation, so the situation didn’t result in a financial loss. And after several years of bureaucratic wrangling, the promotion finally came through.

Latest revision: 2 December 2025

What Is the Point of Politics?

‘Politics is not worth a lightning bolt to me. Throw it to the sharks,’ sang the Dutch band Normaal in the 1980s. Many people feel disillusioned with the government and politicians. Is there something wrong with politics? Is it the system? Are our expectations too high? Do politicians interfere with matters that should require expert knowledge? Do we not elect the right people? Is the political system not democratic enough? There are no simple answers, but some countries do better than others. Francis Fukuyama wrote two books about political order. Good government is an uphill struggle that never stops.

And democracy often has frustrated the establishment of good government. So, there is reason to think, ‘What is the point of politics?’ Over the centuries, there might have been some progress in political institutions, which are customs, laws, government organisations, and other arrangements. Human nature does not change, so politicians have not evolved to a higher standard. People in the past devised institutions to provide stability and make governments work better. In recent decades, globalisation has made several institutions dysfunctional, most notably, the nation-state.

The basics

So, what is the point of politics? We organise ourselves economically and politically with the use of ideas. Among those ideas are money, states, and religions or ideologies. That made us successful as a species. We have languages to describe situations and the things we can do. And we discuss other people and what they are doing and thinking. That gives us information about other people, for instance, who can do a particular job best and who are reliable and who are not. We use that information to cooperate.1

Politics deals with questions like: what should we do as a group, what must our rules be, and who shall lead us? What we are going to do, is decided by ideas like sowing crops in the spring, doing a rain dance in the summer to please the rain fairy, and harvesting in the autumn. And we may have a priest who leads the rain dance. We do the rain dance we believe in the rain fairy. If rain does not come, we might try to please the fairy by electing another priest. But beliefs can be wrong.

This short tale already tells a lot about politics. There is a belief system. There are rules. And there is authority. Villagers believe the performance of the priest influences the rainfall. Political leaders influence what happens, but in many cases, they must deal with circumstances over which they have little control. Leaders might revert to public display, like ordering more elaborate rain dances to show us they are working on the problem. Things can go wrong because of our beliefs.

The big man

We are social animals, and politics is in our nature. We discuss plans, who should do what, which rules we must follow, and who should lead. Traditional societies also have politicians. For example, the big man leads a family group in Papua New Guinea. He earns his status by gaining the community’s trust, usually by solving conflicts and distributing resources to the members of his tribe. The big man can lose his position, and someone else can take his place.2

The big man is a politician, like the alpha male of a chimpanzee band. Much of politics comes down to solving conflicts in the group and distributing resources and favours. To become the leader, the big man forges a coalition of followers. His followers benefit from his leadership. He can also take actions that benefit the entire community and gain widespread respect. Not much has changed since then. Politicians look after the interests of their followers and can work in the public interest.

The role of institutions

Politicians are like big men in Papua New Guinea or priests of the rain fairy. And they can disappoint us by giving us fewer favours than we expected or not bringing rain. In democracies, we elect our leaders, so why do we not select better ones? Perhaps the problem is not politicians but how we conduct politics and organise societies. The programmatic political parties of Western Europe may have been an apex in the development of politics. They promoted general policies in the interest of their constituency or the public interest. But these parties have lost their lustre.

Today’s world differs from the world where they emerged and flourished. If you were born in a socialist or Roman Catholic family in the Netherlands in 1900, you remained a socialist or a Roman Catholic for the rest of your life. Dutch society was stable, and politicians did not need to compete for attention. The ideologies and religions of these parties have not passed the test of time. They have no answers to the questions of today. Many voters think traditional parties do not represent interests. In the absence of new ideas, politics becomes about identities and personalities.

Institutions can raise politics beyond the level of individuals and their interests, emotions and weaknesses. Traditional societies already have them. The rule of electing a new priest when rain fails to come is an institution. It tells us what we should do when rain doesn’t come. Otherwise, villagers might disagree and start a bloody conflict. The harvest is of the utmost importance. If you do not have faith in the measures taken, you feel obliged to protect yourself and your family from the stupidity of others. Institutions like rain dances can keep the peace but do not guarantee good outcomes.

Political development

The first humans were hunter-gatherers who lived in small bands. They had no property. In times of conflict, they often relocated. Later on, bands coalesced into tribes. Tribes could arrange more men for warfare. A reason to do so was the Agricultural Revolution, causing a switch to crop planting and cattle herding. Crops and livestock that needed defence from thievery and pillaging.

People living in tribes could have a lot of freedom. Tribes were loosely connected, and tribal leaders had limited authority. They might settle disputes, but only if parties agreed on them being the referee. Tribal leaders usually did not give orders. Another political development was the lord with his armed vassals. In Europe, this was called feudalism. Similar arrangements existed elsewhere in the form of warlords and gangs.

The requirements of warfare promoted the development of states. There was intense competition between states in China during the warring states era. Chinese states had armies of up to 500,000 men. They rationalised their organisation and tax systems. As a result, the first modern states appeared in China, and China remained the most advanced state for nearly 2,000 years.

States have the authority to order people. After humans switched to crop planting and cattle herding, there was more food, and more people could live in the same area. And more people could create more sizeable production surpluses to maintain states. States provided more security than tribes as they had police and standing armies, so the inhabitants could benefit from the defence and political stability that states could provide.

The modern state

Modern states have a rationally organised administration with merit-based recruitment and promotion. That happened in China first. Chinese emperors did not have to pass an exam. They inherited the title or came out on top during a power struggle. Emperors had unchecked powers, and there was no guarantee that only good emperors made it to the throne.2 Institutions can protect the country from poor rulers. This problem does not go away if we elect our leaders. That is why democratic states also have institutions, most notably, the separation of powers.

The separation of powers aims to split the state into three independent branches, which are the administration (the executive), the parliaments (the legislative) and the courts (the judiciary). Each has its responsibilities, and the branches should not interfere with each other’s tasks. Parliaments make the laws, the administration executes them, and the courts verify whether they are applied correctly. Ideally, the administration has no power over the parliaments and the courts. For instance, the administration should not nominate or appoint candidates for the parliaments and the courts, and the courts should stay out of political affairs, which is the domain of parliaments.

As political leaders change and can raise controversy, many nations have a ceremonial head of state to provide a sense of stability and continuity in the form of a person. Some countries hold on to their royal families, while others have presidents to perform that role. Usually, ceremonial presidents are highly respected individuals who do not interfere with political affairs. Royals can also provide a stable sense of nationhood, but kingship is a birthright. Kings do not need to have particular qualities, so they may lose the respect of their nation, while a ceremonial president has earned the nation’s respect and, therefore, is less likely to lose it.

Our predicament

Improvements in democratic political systems are possible, but our current predicament is not so much the result of a lack of democracy. Our belief systems are at stake, for instance, nationalism, socialism and liberalism, but also cultures, religions and traditions. And we have made money the prime mover of our decisions. Wealth inequality has increased in recent decades, creating a self-reinforcing trend in which an oligarchy has all the wealth and power. Identity conflicts and pride also block progress.

You can analyse the economy from a socialist or a capitalist perspective. The results are very different, and neither is the analysis entirely wrong or right. The proponents of ideologies and religions tend to have an explanation for everything. Within the confines of their models, their arguments make sense. If you believe in the rain fairy, it makes sense to think she is angry when rainfall does not come. Many of our belief systems are models of reality with merits and drawbacks, and we should treat them like so.

Our political institutions are the result of ideas from the past. They still have merits but grow increasingly problematic. Clinging to obsolete thoughts is like doing rain dances to prevent harvest failures when the cause is climate change. If existing ideas stop working, people become frustrated and lose faith. If crops continue to fail, some villagers may realise that electing a new priest does not solve the problem. They may worship the weather spirit instead and start a violent conflict with followers of the rain fairy.

The issues we now face come primarily from failing ideas and institutions rather than politicians. Existing religions and ideologies have no answers to the issues of today as many are global collective action problems, while centralised complex systems are ineffective in dealing with them. If the collapse is at hand, we may need to find common ground about what we should do and delegate practical decision-making about how to do it to the local level when possible.

Featured image: House Of Commons in the United Kingdom. Parliament.uk. [link]

1. Sapiens: A Brief History Of Humankind. Yuval Noah Harari (2014). Harvil Secker.
2. The Origins of Political Order: From Prehuman Times to the French Revolution. Francis Fukuyama (2011).

Slums in Jakarta

Extreme living

Overdoing things

In 1994, Princess, a friend from the United States, visited me in Groningen, where I lived at the time. Before we went out to the supermarket in the local mall, I took a shopping bag with me. Princess remarked on the shopping bag as if it were something peculiar. You could get a new one at the supermarket, she said. I answered that it was wasteful to fetch a new bag from the shop. She then called me an environmental extremist. I had no car and travelled by train, so that might have made her think this. I already believed that Americans are wasteful consumers, so her remark confirmed my prejudice. Taking a shopping bag with you is a minor inconvenience, but where does it stop? In other words, what will life be like after the apocalypse?

Perhaps Princess was right. Most of my clothes are over twenty years old. Some come from a thrift shop. There are holes in my underwear. My excuse is that no one sees my underwear. Sometimes I take a bath when there is plenty of solar and wind energy. I have an electric heater to heat the water. When the sun doesn’t shine, I sometimes warm up a litre of water and take a washcloth to wash myself. Compared to taking a shower, it saves over 95% in energy and water. Now and then, I succumb to temptation and take a shower or a bath. And I can’t help but eat scraps others leave behind, or when my son still lived with us, use paper towels he had discarded after hardly using them.

Waste and spillage unnerve me. I had a poorly insulated old home. It caused distress, making me anxiously oversee my natural gas consumption. I could easily pay the bill, so it wasn’t that. Insulating my house and only heating the living room resolved my emotional issues. As a side benefit, I reduced my energy bill by 70%. Still, I can’t stop brooding over new ways to lower my energy consumption even further. I do office work and can work at 17 degrees Celsius with warm clothes and gloves. My mother once said that I overdo things. Buying second-hand is what poor people do. My parents were raised in poverty and had worked hard, so they could buy new things and enjoy luxuries.

I don’t want to upset others, so I try to act inconspicuously. Everyone should live a simple life, but for a long time, my argument was, ‘Who am I to tell others what to do?’ Later, the excuse became, ‘Who is going to believe me?’ It is not always possible to guess what disturbs others. Or I might forget. Once, I wore worn-out clothes to a family party. My father was not amused. That was an oversight. My father thinks it is disrespectful to the hosts. They don’t take offence, and I don’t take offence at my family’s excessive consumption. That has been their upbringing. They must know they turn our planet into a wasteland. But everyone else lives the good life, so what is the point?

What is normal?

Who is an extremist depends on what we consider normal. Today, we think it is normal to live at the expense of poor people and future generations. It is normal to aspire to a luxury yacht and extravagant living. You may not be able to afford it, but you can dream of it. That is the American Dream. My life is rather ordinary, albeit with a few luxuries. I don’t engage in extreme measures like turning off the heating or getting rid of my car. I might have done so if I had lived alone, but my wife doesn’t want it. It is not enough, but there is no point in scrapping comfort if you are the only one doing it. What is the point of living without comfort if others go on driving SUVs and taking holidays by aeroplane?

The only way to do it is to do it together. Wasteful lifestyles can’t remain the norm much longer, so if we don’t change, disaster is likely. We can manage. My great-grandparents hardly left the village they lived in. They had no car, no television, and probably had never been to Germany. That seems like extreme living now. But it is not as hard as it appears. The 80/20 rule states that, for many outcomes, roughly 80% of the consequences come from 20% of the causes. It means that for those who aren’t poor, an 80% reduction in consumption would reduce their well-being by 20%.

The Netherlands has a mild climate. Winters have become significantly milder in recent decades, so there is hardly any frost. Cuts in energy use will cause discomfort but little suffering. In many other locations, the situation is quite different. I once read a story of a guy in rural Ohio who had lived off the grid for one winter and shared his experience on a message board. He woke up to a harsh reality. Things freeze and break down. You can easily get injured and incapacitated. He will not do it again. And he couldn’t do without a car. More experienced people gave him tips. One commenter suggested that he should move to a warmer location. Alaska has its version of the 15-minute city, Whittier, where all 200 residents live in one building, complete with necessities like a shop and a church.

Time is money or convenience

In 2002, when I was unemployed for a few months, I tried my hand at an allotment garden. It was a lot of work. It got me a few vegetables I could buy cheaply at the supermarket. Once I had a job again, I gave it up. Not so long ago, most people grew their food because they were poor. They had no other job, so they had the time. There were no agricultural machines, so it was manual labour. Today, home-grown food is uneconomical. Working 1 hour at the office might buy the food that takes 40 hours of work if you grow it yourself. It is an economic calculation. If I could earn more by producing food than working at the office, I would quit my job and grow food. That is why few people grow their own food.

You can save money by cooking your own meals instead of eating out or ordering takeout. Alternatively, you could work more, and if you make more money than you save by cooking, eating out is economically optimal. Usually, you don’t make these calculations. I never go to the canteen at work. I spread my bread before going to work instead. Many people take the convenience to save time, often because they have no time due to their work commitments. They say that time is money. So, time equates to money or convenience. People who work in restaurants have jobs that wouldn’t exist if we cooked our own food. Many of these jobs are bullshit jobs.

The consumerist economy is about squandering resources and energy to make money. Advertisements tell us how easy a product is and how much time or trouble it saves us. They don’t tell us how many hours we work for it. Eating out is convenient, but you have to work longer hours to pay for it. You could work less when you cook your meals yourself. If you forego ease, you can have more time. In the past, people had time to grow their food or mend their clothes. That is a lot of work, but food and clothes were more expensive, or incomes were lower. Buying new clothes meant more work than mending the old ones, because they had to work more hours to afford them. It was economically efficient to mend clothes and grow food because they were poor.

Wealth and poverty

My closet still features clothes from forty years ago. My mother bought them when I was a teenager. Most clothes don’t last that long. The fashion industry is the second-largest polluter. It generates, among others, mountains of waste, including landfills of unsold clothes, 20% of the world’s water pollution, and 10% of global carbon emissions. The economy is about selling more stuff to generate profits. The latest trend is fast fashion, so clothes that fall apart after you have worn them a few times. Your clothes won’t last a season, and new ones are cheap, so you can always stay fashionable.

The world’s largest waste producer, China, is making new clothes affordable for everyone, including the poorest. New clothes from China have become cheaper than second-hand from Europe. Africans can now buy new clothes. And so, Africa is now finally becoming economically developed, thus consumerist and wasteful like the rest of the world. Today, many Africans have newer clothes than I have.

Who is rich and who is poor? To me, wealth is how long you can survive on your capital. So, if your expenses halve, and your capital remains the same, you are twice as rich. The wealth of humanity is how long we can sustain our lifestyles. At present, human consumption levels are unsustainable because they exceed the planet’s capacity. If we could consider this planet ours, which we can’t, we are eating up our capital. We are poor but could be rich and live off the interest of our capital if we reduce our consumption to sustainable levels. And if you have a capitalist spirit like me, and think ahead, you are willing to save and invest in the future.

Living without a car

Many car owners work one day per week to pay for their car. Using public transport may take longer, but without a car, you can skip one working day each week or retire earlier. And you can think further. Why should you make that trip? In the past, people hardly ever left their village. If your aunt celebrated her birthday and lived thirty kilometres away, you didn’t go. And no one was offended. You didn’t go anywhere. There were festivals in your village that you could attend. Once or twice a year, there was some entertainment. For the rest of the time, you had to entertain yourself or bore yourself. That is extreme living.

For many years, I didn’t have a car, despite having a job that required one. I lived in a remote city. My job was there, or at least 200 kilometres from home, so I had to stay in a hotel. In that case, I took a train to a station nearby and parked my bicycle there. In either case, I went to my work by bike, either from my home or from the hotel. Using public transport requires planning, extra time, and sometimes considerable sacrifice. I remember taking a thirty-minute walk through the snow to reach an office outside the city centre, as buses only went there during rush hour. And then there was all that waiting at train stations. It saved me money, allowing me to buy a house. After all, time is money.

After I met my wife, we could borrow her mother’s car if we needed one, or we rented one. When her mother’s car fell apart in 2003, I bought my own, a second-hand 1998 Opel Astra, which has now survived over 320,000 kilometres. But I still go to work by public transport. And I use public transport for trips, if it is not too much trouble. Later, I began thinking about ways to reduce energy consumption. One way was combining trips. So, if I visited my sister, I also visited my father. That saved 200 kilometres of driving. We went to the forest nearly weekly, a 60-kilometre round trip to see some trees. There are parks near home. And so, we walk in these parks instead.

Turning down the heating

My grandparents had no central heating. It was cold inside their home, and it could even freeze. They warmed themselves at the stove in the living room, the only warm place. Central heating is a luxury we can do without. In 2022, Vlad the Empire Builder decided to launch a special military operation in Ukraine, leading to the termination of cheap Russian gas supplies to Europe. Natural gas prices skyrocketed for a while. To save energy, many people resorted to extreme measures, such as turning down the heating or only heating the living room. Some even turned off the heating entirely and put on a warm vest or a coat. You may not want to go that far, but heating only the living room makes sense.

Newspapers in the Netherlands featured a series about people who cut their energy use. Take, for example, Adri from Yerseke and his wife, who heat the living room of their 1906 home with a modern AC unit. They have insulated the walls, installed high-efficiency windows, and installed solar panels on the property. They consume 2,400 kWh of electricity and generate 3,000 kWh per year. Their natural gas use is nearly zero, as they shower only occasionally and wash themselves with a washcloth. Switching from central heating to an AC in the living room is probably what generates the most savings.

In our living room, the winter temperature is 19°C. I also made some changes in recent years, such as insulating poorly isolated rooms. An AC is now the primary source of heating. Only if the AC can’t maintain the temperature does the central heating come into play. As a result, the remainder of the house remains barely heated, which is where most of the cost savings come from. I work in a small room in the attic with an electric heater. When working there in the winter, I may wear warm clothes and gloves, and put an electric pillow on my lap. When you choose to do these things, it feels much better than when you must because you can’t afford the energy bill. But it is how we should live.

Growing your own food or local farming

Growing food is a lot of work. I had an allotment garden for one season. Sneek had clay soil, which is sturdy, thus not easy to till. The cost savings were negligible, probably less than the plot’s rent. Vegetables and potatoes in the supermarket are affordable, so the allotment garden wasn’t worth the hassle. I suspect we will live simpler lives in the future, yet I don’t foresee 90% of the population working in agriculture, as was the case in the Middle Ages. In wealthy countries, that number might rise, but not above 10% I suspect.

We will still have much more energy than we had for most of history. We will discontinue unnecessary economic activities and allocate a greater share of our resources to agriculture. And so, agriculture will probably remain largely mechanised and carried out by professional farmers. Today, farmers sell their produce to national and even global markets. European wine ends up in the United States, and California wine ends up in Europe. That is resource inefficient.

High energy prices may revive diversified farming for local and regional markets, as well as growing crops in their respective seasons. That was also the case in the past. Today, we have supermarkets. Selling local products may require a separate distribution channel, such as a person collecting produce from farmers and selling it to local customers. Several foods require centralised industrial processing for safety reasons, but a wide range of foodstuffs is suitable for local production and consumption.

Not throwing away

Recycling costs energy and doesn’t fully recover all the waste. So, what about not throwing things away in the first place? You can recycle glass by dumping it in a glass container, but turning it into new glass costs energy. And there is so much packaging. You go to a shop, buy a bottle, and throw away the old one when it is empty. That is normal. An outlandish suggestion is to have a tank in the supermarket where we can refill our reusable bottles. And we could bring bags with us for bread and fruit.

There are some considerations. It might not be a good idea for perishable foodstuffs. It is also advisable not to mix skin care products with detergents. It is best to use separate bottles designed for each substance to prevent accidental mixing. The hardest part is that we have to bring these bottles and bags to the shop. We have to plan and take the bottles and bags with us. That is an inconvenience that modern consumers might consider outrageous.

Finally, there are a few extreme ideas that might get you out of your comfort zone. You can save energy and water by showering or bathing less frequently and using a washcloth instead of a shower or a bath. You warm a bit of water, add some soap, and there you are. Some people change clothes daily. Once or twice a week can be enough in many cases. You can also switch to less frequent underwear changes, such as every other day instead of daily. Washing your clothes less frequently saves energy and extends their lifespan.

Latest revision: 29 November 2025

1. Welcome To Whittier, Alaska, A Community Under One Roof. NPR (2015).

Book: The Virtual Universe

Several religions claim that a god or gods have created this universe. The simulation hypothesis explains how this might have happened. We could all live inside a computer simulation run by an advanced post-human civilisation. But can we establish that this is indeed the case?

The evidence suggests that we live inside a simulation. It even allows us to infer the purpose of our existence. This book does not promote a specific religion. It follows science, but science has its limits. It can’t tell whether the world we live in is real.

Still, the sciences can support the argument that this world is a simulation, as they have established the natural laws that guide reality. If breaches of these laws occur, such as paranormal incidents with credible witnesses, we have evidence indicating that this world is not real.

We have just invented virtual reality. We can utilise virtual reality for both research and entertainment purposes. If the technology to create virtual worlds becomes affordable, most worlds will exist for entertainment, such as games or inventing stories where we can make our dreams come true.

The latter requires control over everything that happens, which is the situation we appear to be in. With our current knowledge, the world makes the most sense as a simulation created by an advanced post-human civilisation to entertain someone we can call God.

In this book, you can find answers to the following questions:

  • Is there something more than science can explain?
  • Is there a plan behind all that happens?
  • What are virtual worlds?
  • How can we know things and determine whether we live in a virtual world?
  • How can we explain things science can’t explain?
  • What are the simulation hypothesis and simulation argument about?
  • Can we improve the simulation argument to establish whether we are living in a simulation?
  • Why does our existence not need to be a miracle?
  • What reasons might post-humans have to create virtual worlds?
  • Can we infer from the properties of our universe that we live in a simulation?
  • What can we say about the evidence of spooks?
  • What is real about UFOs?
  • Do curses exist?
  • Do meaningful coincidences indicate that there is a script?
  • Is there some point to numeric coincidences like 11:11?
  • What happens after we die?
  • How can mediums sometimes be uncannily accurate?
  • Are there strange coincidences in history?
  • Are there an excessive number of strange coincidences surrounding the 11 September 2001 terrorist attacks?
  • What are the consequences of predetermination, and how does it affect our lives?
  • Is it possible to establish that we live in a story by using meaningful coincidences as evidence?
  • So, can we establish beyond a reasonable doubt that we live inside a simulation?
  • And can we establish the purpose of our existence?

After reading this book, you know you live inside a simulation.

The book is freely available under the CC BY-SA 4.0 licence.

You can download your free EPUB here:

https://drive.proton.me/urls/A32TV9FZFM#VK1pUJozUJy5

You can download your free PDF here:

https://drive.proton.me/urls/KNS1R6XKNG#6nawGfcicKuv

Or from here:

The book is freely available as an e-book on Kobe:

https://www.kobo.com/ebook/the-virtual-universe

The book is also available as a Kindle on Amazon. Amazon requires a minimum price, so it is available at that price:

Latest revision: 6 September 2025

Deutsche Bank Towers in Frankfurt am Main

What Is the Use of banks?

Turning debt into money

The previous episode about money discussed some imaginary trades between you, a hatter, a lawyer, a barber and a fisherman. It is shown that if people promise to pay this might suffice for payment. So if the fisherman promises you to pay next week for the hat you just made, you could say to the lawyer that you expect the fisherman to pay in a week, and ask her if you can pay in a week too. The lawyer could then ask the same of the barber and the barber could ask the same of the fisherman. If all these debts cancel out then no cash is needed.

In most cases, debts cannot be cancelled out so easily. A hat may cost € 50, legal advice € 60, a hairdo € 30, and the fish € 20. If you are the hatter, you could lend € 10 to the barber and the lawyer could lend € 20 to the fisherman. Perhaps the lawyer doesn’t trust the fisherman because he smells fishy. But if the lawyer trusts the barber and the barber trusts the fisherman then the lawyer could lend € 20 to the barber and the barber could lend € 20 to the fisherman.

That could become complicated quite easily. And this is where banks come in. Banks can lend money because they know the financial situation of their customers. The fisherman can borrow money from his bank to make payments because the bank knows that he has an unstable but good income and a vessel that can be sold for cash if needed.

If the fisherman borrows money to pay for the hat you made, this money ends up in your account. You can use it to pay the lawyer. And so the fisherman’s debt becomes the lawyer’s money until she uses it to pay the barber. People that have a deposit lend money to the bank and the bank is lending this money to those who have a loan, in this case, the fisherman. Depositors trust the bank even though they do not know the people the bank is lending money to.

Most people think of money as coins and banknotes but more than 90% of the money just exists as bookkeeping entries in banks. When a fisherman borrows money from his bank, he can spend it on a hat. This means that the bank creates money and that this money is debt. Most of our money is debt so the value of money depends on the belief that debtors pay back their debts. This seems scary and it keeps quite a few people awake at night.

Some people argue that debts and banking are frauds because they are based on a belief. But banks and debts help to boost trade and production by creating money that doesn’t exist to start businesses that don’t yet exist to make products which will be bought by the people those businesses will hire with this newly created money. Banking and debts are the basis of the capitalist economy.

Banking as bookkeeping

Banking is more or less just bookkeeping and balance sheets. Balance sheets can be used to explain the magic trick banks do, which is creating money. Balance sheets are simple. There are no intimidating formulas, only additions and subtractions. The important thing to remember with balance sheets is that the total of the amounts on the left side must always equal those on the right side.

On the left is the value of your stuff and your money. On the right side is the value of your debts. Your net worth is what remains when you sell all your stuff and pay off your debts. It is on the right side too in order to make it equal to the left side. Your net worth can be a negative value. If that is the case, you might be bankrupt because you can’t repay your debts by selling your assets. The left side is named debit and the right side is called credit. Your balance sheet might look like this:

debit
 
credit
 
house
€ 100,000
mortgage
€ 80,000
other stuff
€ 50,000
other loans
€ 30,000
cash, bank deposits
€ 20,000
your net worth
€ 60,000
total
€ 170,000
total
€ 170,000

When you buy a car, you own more stuff, but also another loan or fewer bank deposits as you have to pay for the car. This is because debit always equals credit. When you drive the car, it goes down in value, as does your net worth, because debit always equals credit. If your salary comes in, your bank deposits as well as your net worth rise because debit always equals credit. If you pay down a loan, the amount in your bank account, as well as the amount of your loan, goes down because debit always equals credit. If debit doesn’t equal credit then you have made a calculation error.

Also for a bank, the total of the amounts on the left side must always equal those on the right side, so that debit always equals credit. Your debt is on the debit side of the bank’s balance sheet. You have borrowed this money from your bank. The bank owns this loan. Your bank deposits are on the credit side of the bank’s balance sheet. The loans of the bank are paid for by deposits. Banks lend money to each other. This may happen when you make a payment to someone who has a bank account at another bank. Your bank may borrow this money from the other bank until another payment comes the other way. The balance sheet of a bank may look like this:

debit
 
credit
 
mortgages and loans
€ 70,000,000
deposits
€ 60,000,000
loans to other banks
€ 10,000,000
deposits from other banks
€ 20,000,000
cash, central bank deposits
€ 10,000,000
the bank’s net worth
€ 10,000,000
total
€ 90,000,000
total
€ 90,000,000

How banks create money

Banks create money. How do they do that? It is easy if you understand balance sheets. Assume that you, the hatter, the lawyer, the barber, and the fisherman all have € 10 in cash. Together you decide to start a bank. You all bring in the € 10 you own so that you all have a deposit of € 10 and the bank has € 40 in cash. The bank allows everyone to withdraw deposits in cash. This is no problem as long as the total of deposits equals the total amount of cash. After everyone has put in the deposit, the bank’s balance sheet looks as follows:

debit
 
credit
 
cash
€ 40
your deposit
€ 10
  
deposit lawyer
€ 10
  
deposit barber
€ 10
  
deposit fisherman
€ 10
total
€ 40
total
€ 40

First, there was only € 40 in cash. Now there are € 40 in bank deposits too. You might think that the bank created money. Only, that isn’t true because the depositors can’t spend the cash unless they take out their deposits. In other words, the depositors don’t have more money at their disposal than before. If you look at the total, there is still € 40. This is bookkeeping. You have to write down the total twice as debit must equal credit.

But now things are going to get a bit wild. The fisherman comes to you and he wants to buy a hat. The hat costs € 50 but the fisherman has only € 10 in his account. To make the sale possible, the bank is going to do its magic. The fisherman calls the bank and asks if he can borrow some money. The bank grants him a loan of € 40 and puts the money in his deposit account so that he can spend it. And look:

debit
 
credit
 
cash
€ 40
your deposit
€ 10
loan fisherman
€ 40
deposit lawyer
€ 10
  
deposit barber
€ 10
  
deposit fisherman
€ 50
total
€ 80
total
€ 80

Who says that miracles can’t happen? The deposits miraculously increased from € 40 to € 80 so € 40 is created from thin air. There is still only € 40 in cash but the fisherman’s debt created new money. This is how banks create money. And that is only because bank deposits are money. This is all there is to it. So much for the mystery. The fisherman then pays € 50 for the hat. And so it becomes your money:

debit
 
credit
 
cash
€ 40
your deposit
€ 60
loan fisherman
€ 40
deposit lawyer
€ 10
  
deposit barber
€ 10
  
deposit fisherman
€ 0
total
€ 80
total
€ 80

And now comes the dreadful part that keeps some people fretting. Everyone can take out his or her deposits in cash. There are € 80 in deposits and only € 40 in cash. If you go to the bank and demand your € 60 in cash, the bank would go bankrupt, even when the fisherman pays off his loan the next day. You could bankrupt the bank by buying € 50 in fish with cash. If you go to the bank to get € 50 in cash it would not be there so the bank would go bankrupt before the fisherman can pay off his loan with the same cash.

A bank could get into trouble in this way even when debtors repay their debts. Clever minds already figured out a solution. Central banks can print money too. If the European Central Bank (ECB) prints € 20 on a piece of paper and lends this money to the bank, there would be enough cash to pay out your deposit. Banning the use of cash and only using bank deposits for payments would be another option. So, after the ECB deposited € 20 in cash, the bank’s balance sheet might look like this:

debit
 
credit
 
cash
€ 60
your deposit
€ 60
loan fisherman
€ 40
deposit lawyer
€ 10
  
deposit barber
€ 10
  
deposit fisherman
€ 0
  
deposit ECB
€ 20
total
€ 100
total
€ 100

After you pay the fisherman, he can pay off his loan, and the bank will have enough cash to pay out all deposits. The bank can repay the central bank and everything is fine and dandy again. In this case the bank could not meet the demand for cash but the value of cash and loans wasn’t smaller than the deposits (the bank’s debt). After the fisherman pays back his loan and the bank pays back the ECB, the bank’s balance sheet might look like this:

debit
 
credit
 
cash
€ 40
your deposit
€ 10
loan fisherman
€ 0
deposit lawyer
€ 10
  
deposit barber
€ 10
  
deposit fisherman
€ 10
  
deposit ECB
€ 0
total
€ 40
total
€ 40

If banks can’t create money, trade would be difficult. If the hat is € 50, the legal advice € 60, the hairdo € 30, and the fish € 20, and you, the lawyer, the barber and the fisherman all have only € 10, nothing can be bought or sold. If the bank lends € 40 to the fisherman, he can buy a hat from you, you can buy legal advice from the lawyer, the lawyer can buy a hairdo and the barber can buy fish. Debt is the basis of the capitalist economy. Nearly all money is debt, and without debt, the economy would come to a standstill.

How much money can banks create?

The amount of money a bank can create is limited by the bank’s capital, which is the bank’s net worth. Regulations stipulate that banks should have a minimum amount of capital. This is the capital requirement. If the capital requirement is 10%, and the bank’s capital is € 10,000,000, it can lend € 100,000,000, provided that there are enough deposits. If the bank makes a loan, a new deposit is created. If the deposit leaves the bank, the bank must borrow it back from another bank or cut back its lending. That is because debit must always equal credit.

debit
 
credit
 
mortgages and loans
€ 70,000,000
deposits
€ 60,000,000
loans to other banks
€ 10,000,000
deposits from other banks
€ 20,000,000
cash, central bank deposits
€ 10,000,000
the bank’s net worth
€ 10,000,000
total
€ 90,000,000
total
€ 90,000,000

When a deposit leaves the bank, it ends up at another bank. The other bank can use it for lending, provided that it has sufficient capital. There may be a reserve requirement, which is a minimum of cash and central bank deposits the bank must hold. If the reserve requirement is 10%, the bank can lend out as much as ten times the amount of cash and central bank reserves it has available. In the past, reserve requirements were important as people often used cash and could go to the bank to demand their deposits in cash. For that reason banks needed to hold a certain amount of cash.

Featured image: Deutsche Bank building CC BY-SA 4.0. Raimond Spekking. Wikimedia Commons. Public Domain.