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06/30/2026 · Kevin McAdam
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About the book
Capitalism is a pure confidence system: it prices value on the collective mood of the market, not against any absolute standard. So it booms and busts, concentrates wealth in the few — and books a newly born human life at a negative NPV. These are not bugs to be managed after the fact; they are properties of the rules.
The McCapitalist Paradigm proposes a hybrid: keep the engine of markets, but anchor it to a single rule — value = human life. Around the whole system runs an absolute value cap that ends value destruction and the boom–bust cycle, while every new life is credited a Mercy Account at the NPV of its needs. The result is a value-based economy with a guaranteed floor under every citizen and the ceiling left fully in place.
- Author Kevin McAdam, CFA
- Subtitle A Hybrid Economic Belief System
- Subjects Economics · Monetary theory · Political economy
- Status In production — publication date to be announced
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Watch
A recorded presentation on McCapitalism
The narrated walkthrough of the paradigm — the problem, the hybrid design, and what changes. Press play to watch right here, or expand to full screen.
Recorded presentation · plays here, or watch on YouTube.
The Idea in Brief
Capitalism prices everything except life.
McCapitalism keeps the engine of markets but anchors it to one absolute standard — uniting absolute faith with relative confidence.
The Problem
A pure confidence system books a newborn life at a negative NPV, concentrates wealth upward, and runs on boom and bust.
The Thesis
Set value = human life. Credit every new life a Mercy Account at the NPV of its needs, and cap the system so value is never destroyed.
The Prize
A guaranteed floor under every citizen without removing the ceiling — a sustainable equilibrium, not a confidence cycle.
The Premise
“Economics is just a board game — change the rules, change the outcomes.”
The full slide deck, brochure, and study guide build on every point. The manuscript is the authoritative source.
See resources →McCapitalism keeps markets and leverage, but bounds them inside an absolute cap. It unites absolute faith with relative confidence — the bridge capitalism never built.
St. Augustine described two cities — a City of God connected to an absolute, eternal end, and a City of Men with no end-in-itself, purely relative. McCapitalism's purpose is to build the bridge between them: an absolute frame of reference that links everyday economic life to an end that does not float on sentiment.
The problem
Capitalism prices value on the collective mood of the market. It booms and busts, concentrates wealth upward, and books a new life at a negative NPV — a net cost.
The mechanism
Set value = human life. Credit each life a Mercy Account at the NPV of its needs; an absolute cap ends value destruction and the boom–bust cycle.
The prize
A floor under every citizen without removing the ceiling; sustainable equilibrium; an economy "we the people" can believe in.
The Confidence Cycle
Capitalism runs on a confidence cycle
A pure confidence system can't settle into equilibrium. It climbs on optimism, peaks in euphoria at maximum risk, breaks into fear, and bottoms out in despondency — a boom–bust ride, not a stable economy.
The Comparison
How the hybrid differs
Capitalism and socialism are both pure confidence systems — they differ on who steers, not on what value is. The hybrid changes the basis of value itself.
| Capitalism | Socialism | McCapitalism | |
|---|---|---|---|
| Basis of value | Relative confidence | Relative confidence | Absolute faith + confidence |
| Value standard | None | None | Value = human life |
| New life | Negative NPV | Negative NPV | Mercy Account at NPV of needs |
| Stability | Boom–bust cycle | Boom–bust cycle | Sustainable equilibrium |
| End-in-itself | None | None | Absolute end-in-itself |
The Paradigm Test
Will McCapitalism replace capitalism as “normal science”?
In Thomas Kuhn’s terms, will McCapitalism lead to a paradigm shift in the economic belief system?
Companion Materials
Resources
Everything that builds on the book's argument — free to read and share.
Learn It
The McCapitalism 101 Study Guide
A six-page quick sheet covering foundations, the six anomalies, the hybrid design, monetary architecture, key vocabulary, and a recall sheet of formulas. The fastest way to learn — and teach — the paradigm.
Download the study guide (PDF) →Key vocabulary
Mercy Account · Absolute value cap (V=L) · Bounded relativism · Zero-sum secondary market · The 4th central bank · Equilibrium-side economics.
The big idea, in one sentence
Set value equal to human life, credit every new life a Mercy Account, and cap the system so value is never destroyed — markets continue, inside an absolute floor and ceiling.
Kevin McAdam, CFA
The Author
The Original McCapitalist
Kevin McAdam is the author of The McCapitalist Paradigm: A Hybrid Economic Belief System. A CFA charterholder with an MBA and two decades of experience in finance, he is a resident of Greenwich, Connecticut.
The author began pulling together threads for this book during the Great Recession and did not complete it until 2026. The work of advocating for hybrid economic belief systems will continue after the book is published.
“Rededicating the economy to the proposition that all men are created equal.”
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