We the People Fiscal Responsibility Act: The High Cost of Doing Nothing

Jeremy Black
Dec 15, 2025
4 min read

Updated: Dec 17, 2025

Time for We the People Fiscal Responsibility Act

We the People Fiscal Responsibility Act: High Cost of Doing Nothing-Time For The We the People Fiscal Responsibility Act

What Happens If We Stay Silent While the $38 Trillion Debt Devours America

This is not a “future problem.” This is happening right now.

Every day we do nothing, the $38 trillion national debt grows by $5 billion, more than the entire annual budget of most states.

Interest payments alone cost $1.2 trillion this year, more than defense, Medicare, or Social Security.

And it’s getting worse.

If we stay silent, the Congressional Budget Office (2025 baseline) projects:

Debt → $58 trillion by 2035
Interest → $2 trillion/year by 2040
Deficits → $3 trillion/year forever

Your family pays the price.

This post is the wake-up call, the full cost of doing nothing, year by year, dollar by dollar.

The We the People Fiscal Responsibility Act stops it.

But only if we demand it.

The High Cost of Doing Nothing – The 20-Year Nightmare Timeline (2025–2045)-We the People Fiscal Responsibility Act

If we stay on the current path (CBO 2025 baseline + historical trends):

2025–2030: The Slow Bleed Accelerates

Debt: $38T → $50T
Interest: $1.2T → $1.8T/year
Deficits: $1.8T average/year
Premiums: $27k → $35k/family
Medical bankruptcies: 530k → 650k/year
Life expectancy: Stagnates at 78

Your family’s “debt tax” rises from $7,900/year to $12,000.

2031–2035: The Breaking Point

Debt: $50T → $70T (150 % GDP)
Interest: $1.8T → $2.5T/year (more than Social Security)
Medicare HI Trust Fund insolvent (2033), benefit cuts or tax hikes
Premiums: $42k/family
Medical bankruptcies: 800k/year
Growth slows 1 %/year, millions of lost jobs

Your kids graduate college into a country where interest eats half the budget.

2036–2040: The Collapse Begins

Debt: $70T → $90T
Interest: $2.5T → $3.5T/year
Social Security cuts or 30 % tax hikes (CBO)
Inflation spikes from borrowing
Credit downgrade, higher rates everywhere

Your retirement evaporates.

2041–2045: The Generational Enslavement

Debt: $90T → $120T+
Interest: $4T/year, half the budget
No money for schools, roads, defense
Life expectancy falls below 78
Infant mortality rises

Your grandkids ask: “Why didn’t you stop it?”

The Human Cost – What $38 Trillion (and Growing) Really Steals From Your Family

Your Paycheck: Interest = “debt tax” of $3,600/year ($50k household) → $15,000/year by 2045.
Your Kids: They inherit $115,000 each + interest, reduced schools, higher taxes.
Your Retirement: Social Security/Medicare insolvent, cuts or hikes.
Your Home: Debt-driven rates = mortgages 10 %+ forever.
Your Freedom: Less money for everything that makes America great.

The Founders revolted over 3 % tea tax. They would call this slavery.

The Economic Cost – How Debt Kills Growth and Jobs

CBO 2025: At 130 % GDP, debt slows growth 0.5–1 %/year, $2.5 trillion less GDP by 2035.

Millions of lost jobs
Wages stagnate
Innovation starved, capital pays interest instead of R&D

The Act reverses it, surpluses fuel boom.

The National Security Cost – How Debt Makes America Weak

China holds $859B treasuries, leverage over us.
Interest crowds out defense, can’t modernize military.
Debt weakens dollar, global reserve status at risk.

Washington warned against “large public debt.”

The Act strengthens America.

The Generational Cost – What Your Kids and Grandkids Inherit

$115,000 debt share at birth
Higher taxes or cuts
Reduced opportunity
Enslaved to interest payments

Jefferson: “The earth belongs to the living”, not to past politicians’ borrowing.

The Act gives it back.

Frequently Asked Questions – 20 Objections Crushed

(Full 20 Q&A)

“We can’t balance the budget without cutting Social Security!” No, the Act ties to Pillar 1 & 2 savings ($1.95T healthcare alone), entitlements stay intact.
“This is too strict, what about emergencies?” Supermajority for emergencies, same as war declarations.
“Debt is good for growth!” At 130 % GDP, it slows growth 0.5–1 %/year (CBO).
“Tax hikes are needed!” No, spending caps + savings = surpluses without hikes.
“This hurts the poor!” Surpluses fund tax cuts and programs, poor win most.
“Politicians will ignore it!” Pillar 1 lobbying ban ends donor pressure.
“Countries that balanced budgets regretted it!” Sweden, Canada, New Zealand all boomed after.
“This is Republican austerity!” Non-partisan, both parties caused the debt.
“What about inflation?” Debt causes inflation, surpluses reduce it.
“The debt isn’t a problem!” $1.2T interest is a problem, more than defense.
“This is un-American!” The Founders hated debt, Jefferson called it “slavery.”
“We need more spending!” We need smarter spending, waste is $1–2T/year.
“Supermajority is too high!” Protects from special interests.
“This locks in bloated govt!” No, forces prioritization.
“What about military?” Debt weakens security, surpluses strengthen it.
“Media says it’s radical!” Media ignores the $38T crisis.
“It will never pass!” We primary them until it does.
“I’m not affected!” Your $115,000 share says otherwise.
“What about COVID-style crises?” Supermajority allows emergency spending.
“What do I do right now?” Call/email your rep demanding co-sponsorship. Join the movement.