How children put the financial system on the shelves

2024 Author: Seth Attwood | [email protected]. Last modified: 2023-12-16 15:55

The social studies teacher asked the kids to prepare business plans. Well, what is the topic of entrepreneurship, let them be creative on the topic of intra-school business. School is a model of the state. And the fifth-graders took up their homework more zealously than ever. And now - a lesson, presentations.

Not for her age, the bulky excellent pupil laid out in detail how she would arrange the food plant. The nimble red-haired boy outlined fantastic prospects for the transformation of the school transport system: there are elevators, escalators, and rickshaws. A gloomy, tidy guy, not at all like a crazy IT specialist, made a cool report on the automation system, access control, accounting and control based on the school computer network. The lively jolly talked about the production of shoes for all teachers, schoolchildren, and even for export.

And now, a thin, modest girl with an open face and kind eyes comes out to the board.

“All of you,” she says to her classmates, “began their business plans with the words“I'll take a loan from the bank”. So, I open a bank.

A restrained rumble of admiration and envy rolled through the ranks: how did you fail to finish it yourself?

- I have the following conditions, - the girl continues, - everyone can take any amount at 20% per annum.

- As any? And a million is possible, - the typical Little Johnny, a bully and a repetitive year, who was dozing on the back of the school desk, threw up his head.

- At least a billion. At least one hundred billion. But keep in mind - at the end of the year, this money will need to be paid back with interest. Whoever does not give it away - I take it with property.

- Cho, will you take away the whole business? - the fat excellent student was indignant, red cheeks.

- Of course not! I will take away only the missing part, no more.

- Normal conditions. Even excellent ones, - the IT specialist carefully rapped out, looking up from the calculator, - I agree.

Everyone nodded behind him - everyone liked such a kind and generous bank.

- Well, - continued the quiet "banker" - at the beginning of the year I will give out a mountain of money. But no matter how much I give out, 100% of the money covers 100% of the school business. And at the end of the year I will demand to return 120% of the money issued. The mountain and plus another fifth of the mountain. And in your hands - only a mountain, 20%, which I demand from above, does not exist in nature. This means that by the end of the year I will take 20% of the school.

For a year, someone will be able to collect 120% of the money, and someone and 400%. But this means that the other will not have even half of the debt necessary for repayment. But it is not important. It is important that in any case, as soon as you agreed to take out a loan, you gave me 20% of the school.

Next year - another 20%. Etc. Well, by the tenth grade I will be the only owner of the school. Today you dream of prosperity, business, success, development. And by the tenth grade you will become my slaves and I will decide who will live and who will starve to death.

The class is quiet. The teacher, confused, clapped her crookedly lined eyes. Someone had their cell phone vibrating incredibly loudly in their bag.

- Nafig such a bank, - the second year Vovochka was the first to come to life, - we can do without a bank.

- Exactly! - the jolly from the shoe business lit up with hope, - we will manage without banks and money, we will barter our goods and services for each other.

- And how will you pay for the ice cream, - the "banker" was sincerely surprised, - will you break off the heel from the boot and give it back? And what are you going to pay with the workers? Sneakers? So they will have no time to work - they will spend days looking for that baker who needs sneakers to buy a bun with jam. Look, ask Dasha, - the "banker" nodded to the excellent student of public catering, - she agrees to accept payment with sneakers.

- And we will write receipts to each other! - there was an IT specialist.

“It's a good idea,” the “banker” nodded in agreement, “and in three days everyone will have a pile of notes like this:“I gave Kolya a chair”,“Vasya gave me a ride on the escalator”,“Took Anya's shoes”… So what? How to deal with all this later?

The class was quiet again. The pale teacher nervously twisted the bracelet on her wrist, with absent-minded glances now at the gloomy class, now at the calm and sweet speaker with kind eyes.

- This, - Little Johnny suddenly got up, banging a chair, - Ivanova, but surely the school will belong to you?

“Of course,” the girl shrugged. It's elementary.

- Then this is … - Little Johnny sniffed, fiddled with characteristic calluses on the knuckles of his fist and tried to find the words, - Ivanova, take me to work. If someone does not give up his debt for debts, I will help. Huh? And I don't need much. Give me the computer class (the IT specialist jerked, but said nothing), I'll make a play area there.

- Well, - the "banker" immediately agreed, - you will be a law enforcement agency.

- No, - Vovochka mumbled, - let's rename … Let it be "Spetsnaz"!

The "banker" nodded once more and turned to the not at all cheerful merry-go-round:

- Anechka, why do you need to do the shoe business, which you will lose anyway? You want to gain, not lose, right? So, I'll give you 10% of the school.

- What should I do? - Anya asked cautiously, feeling another catch.

- You see, I don't really want to work. Therefore, you will work for me. All this fuss - to take into account the money, to issue … What if, in the middle of the year, someone wants to take another loan? So I'll give you the money at 20% per annum. And you will distribute them at 22%. Your share is 10% of mine, everything is fair.

- Can I not give out at 22%, but at … How much do I want? - cheerfully merry.

- Certainly. But do not think that the school will become yours. So, if you give money at 33%, and in three years the school will seem to be yours. However, you took money from me at 20%, which, as you remember, does not exist in nature. And the school will still be mine in five years. And I will give you your 10%, and you will not receive it yourself. Understand? I am the hostess.

- Nafig such a mistress, - the excellent student gurgled through her full cheeks and immediately received a powerful slap from Vovochka.

“MaryPalna,” the “banker” turned to the teacher, who was peacefully turning green in a semi-conscious state, “and you don’t get upset. I will give you a big salary. You only teach everyone that this is how it should be, that it cannot be otherwise. Tell the children that if you work hard and hard you can achieve success and become rich. You see, the more they work, the faster I will get rich. And the better you brainwash the students, the more I will pay you. It's clear?

A spark of consciousness and hope flashed in the teacher's eyes, she often nodded shallowly, looking with devotion at the fifth-grader.

The life-saving bell rang

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