I studied for four years at Oxford and Nobody Taught Me How Money Works

The British government has this week announced plans to ban social media access for under-16s. Ministers describe it as a historic intervention to protect children. Newspapers are full of discussion about algorithms, screen addiction and online harms. Yet as I watched the announcement unfold, I found myself asking a different question entirely. Why are we once again arguing about what children should be prevented from doing rather than what they should be taught?

The discussion is presented as a matter of national importance. Ministers speak gravely about online harms. Newspapers speculate about restrictions and enforcement. Experts are summoned to television studios. Committees are established. Reports are commissioned.

But all of my experience as a student and teacher tells me that we are arguing passionately about the wrong problem. At sixty-five years of age, having attended good schools, won a scholarship to Oxford, taught for decades and worked in several countries, I have reached an uncomfortable conclusion: almost nobody ever taught me how money works.

Nobody explained investing. Nobody explained compound interest. Nobody explained pensions. Nobody explained the long-term consequences of inflation. Nobody explained the relationship between taxation and public services. Nobody explained mortgages beyond the most superficial level. Nobody explained the astonishing difference between acquiring assets and merely consuming income.

Yet these are not specialist concerns. They are among the most important forces shaping the lives of ordinary citizens.

They influence where people live, when they retire, whether they accumulate wealth, how vulnerable they are to economic shocks and, ultimately, the degree of freedom they enjoy throughout their lives.

The strange thing is that this educational failure is almost invisible. Some parents complain if their children leave school unable to read Shakespeare. Politicians worry if socially constructed examination results fall.

Universities debate decolonisation, inclusion, safe spaces and artificial intelligence.

Meanwhile, millions of young adults enter the world with little understanding of debt, investment, taxation, pensions or wealth creation.

Nobody seems particularly alarmed. But as a teacher, I find this extraordinary. And as a citizen, I find it deeply disturbing.

As someone who grew up in a working-class family, I find it difficult to avoid an even more uncomfortable observation.

Those who grow up in affluent families often learn these things anyway.

They hear conversations around the dinner table. They observe parents discussing property, investments, inheritance and taxation. They absorb financial knowledge almost by osmosis.

Those from less privileged backgrounds are often far less fortunate.

The result is that schools, which are supposed to reduce inequality of opportunity, usually end up reinforcing it.

I studied languages, theology, literature and philosophy. I do not regret a moment of it. Education transformed my life and broadened my horizons in ways I shall always be grateful for.

Yet if I am completely honest, my grandfather, a builder with far less formal education, may well have understood practical wealth creation better than I did. He understood property. He understood value. He understood patience. Most importantly, he understood that money is not primarily about income. It is about what income becomes over time. That lesson alone may be worth more than half the curriculum I studied. Unfortunately, he passed away when I was five years old, so he could never pass on his wisdom.

The question therefore is not whether children should be protected from harmful content online. Of course they should.

The question is why governments find it easier to regulate TikTok than to ask whether the curriculum itself is preparing young people for adult life.

Why is there endless discussion about screen time but comparatively little discussion about economic literacy?

Why do we devote thousands of classroom hours to subjects that many pupils will never use again while allocating almost no serious time to understanding mortgages, pensions, inflation, taxation, investing and economic reasoning?

And why, after decades of educational reform, do so many intelligent, capable and highly educated adults still feel financially illiterate?

These are not merely personal questions. They are political questions. They are social questions.

And they are ultimately questions about power.

A population that cannot critically evaluate economic arguments is easier to persuade, easier to frighten and easier to divide. It becomes dependent upon experts, commentators and politicians to interpret reality on its behalf.

A population that understands economics is harder to manipulate.

Perhaps that is why the seven economic myths I recently encountered fascinated me so much. I will share them here next week.

These seven myths didn’t just reveal something about economics, but they revealed something about education.

And perhaps, more importantly, about what education still fails to teach.

“Education is not the filling of a pail, but the lighting of a fire.”

— W. B. Yeats

If Yeats was right, then perhaps we need to ask whether we are lighting the wrong fires.

 

Gregor Gysi: The Best Chancellor Germany Never Had

Why Friedrich Merz Is Sealing Germany’s Coffin

Recently, Gregor Gysi made an observation that deserves far more attention than it has received. According to Gysi, Friedrich Merz’s political strategy is increasingly based on finding new groups of people to blame for Germany’s socio-economic problems rather than confronting the deeper causes of the country’s decline.

First it was immigrants and refugees.

Then it was the healthcare system.

Now it is Germany’s workforce.

Whether one agrees with Gregor Gysi on everything or not, his criticism exposes a troubling pattern. Whenever Germany faces a serious challenge, Merz appears more interested in identifying a convenient target than offering either a compelling vision for the future or consistent decisions aligned with clear political and ethical values.

The Refugees Who Helped Germany

Germany welcomed around one million refugees during the migration crisis of 2015 and 2016. The decision was controversial then and remains controversial today, stoked up by the nationalism of the AfD.

Yet ten years later, many of these refugees have integrated successfully. They have learned German, entered the labour market, started businesses, paid taxes, contributed to the pension system and become part of German society.

Some arrived as highly qualified professionals: doctors, engineers, academics and lawyers. Others filled essential jobs that Germany struggles to recruit for itself.

Germany’s demographic crisis is not a future problem. It is happening now. Employers across the country face labour shortages. The pension system depends on a shrinking workforce supporting a growing retired population.

Against this background, treating refugees primarily as a burden rather than as contributors makes little economic sense.

I recently thought of a young Syrian woman I know. She now speaks fluent German, as well as English and Arabic. She is completing a doctorate in law and has every prospect of becoming a highly productive member of German society.

Yet she is planning her future elsewhere, most likely in the United States.

Germany invested in her integration. Germany benefited from her talent. Germany may now lose her altogether.

That is not a success story. It is a failure of political imagination.

Scapegoating Healthcare

The same pattern appears in healthcare.

Germany undoubtedly faces major financial pressures in its health and social insurance systems. An ageing population, rising costs and economic stagnation create genuine challenges.

But the answer cannot simply be to reduce protections that millions of people rely upon.

The principle that families should have access to healthcare regardless of income has long been one of the strengths of the German social model. Weakening that principle may save money in the short term, but it risks creating greater social and economic costs in the future.

What is particularly striking is the contrast between the urgency applied to military spending and the hesitation shown towards investments in social infrastructure.

Politicians readily describe defence spending as an investment in the future. Yet healthcare, education and social stability are investments too.

A nation is not defended only by weapons. It is defended by healthy, educated and confident citizens.

The Myth of Working Longer

The latest target appears to be Germany’s workforce.

Merz has argued that Germans need to work more hours and remain economically active for longer. On the surface, this sounds practical and responsible.

In reality, it reflects a remarkably outdated understanding of productivity.

Human beings are not machines.

Productivity depends upon motivation, trust, leadership, skills, technology and working conditions. A well-managed and valued employee working thirty-five hours per week can often contribute more than an exhausted and disengaged employee working fifty-five.

The most successful economies do not necessarily have the longest working weeks. They have the most productive working hours.

Germany’s challenge is not primarily that its people are lazy. It is that investment in digitalisation, reducing bureaucracy, promoting infrastructure and innovation has lagged behind many competitors for years.

Blaming workers is easier than fixing structural problems. But it is also less effective.

Germany Needs Leadership, Not Scapegoats

Friedrich Merz undoubtedly possesses ambition. He looks like a statesman. He speaks confidently. He projects authority.

Yet genuine leadership requires more than authority.

It requires empathy.

It requires vision.

It requires values.

The CDU once prided itself on balancing economic responsibility with social responsibility. Today, that balance often seems absent. The willingness to embrace large-scale borrowing while simultaneously questioning social protections creates the impression not of strategic thinking but of political inconsistency.

Germany faces enormous challenges: demographic decline, economic stagnation, digital backwardness, labour shortages and growing political polarisation.

None of these problems will be solved by blaming refugees, healthcare recipients or workers.

They require something much rarer.

They require a government willing to unite rather than divide.

For all his political flaws, Gregor Gysi has long understood one simple truth: a society becomes stronger when it expands the circle of belonging rather than narrowing it. He truly is the best chancellor Germany never had.

Germany’s future will depend on whether more of its leaders understand that truth as well.

“When five people own more wealth than the poorer half of an entire nation, the problem is not refugees, nurses or workers. The problem is where the wealth has gone.”
— Gregor Gysi (paraphrased from his speeches on wealth inequality)

Sovereignty Begins at the Desktop

Linux desktop workspace representing digital sovereignty, privacy and independence from big tech ecosystems

For years, choosing an operating system was treated as a consumer preference: Mac or Windows. Apple or Microsoft. Design or compatibility.

Those days are ending. Indeed, for me, they have already ended.

My move to Linux was not born of practicality. It began as an explicitly political decision: a small personal protest against what I see as the increasingly troubling direction of the United States and my growing discomfort about privacy and with Europe’s dependence on American technology.

What began as principle, however, quickly became something more exciting. An education, even.

In moving away from mainstream platforms, I discovered not merely a political statement but a better way of computing: faster, calmer, less intrusive, more user-controlled—and one that forced me to confront how casually many of us have entrusted vast quantities of personal data to a handful of foreign corporations.

Increasingly, our technology choices are no longer merely about convenience or aesthetics. They are about jurisdiction, sovereignty, dependence and trust.

The Illusion of Neutral Technology

We have spent two decades pretending that software is apolitical. It is not.

Private data is the so-called new oil.
Cloud platforms are geopolitical assets.
Operating systems are instruments of jurisdiction.
App ecosystems are channels of dependency.

To build one’s digital life entirely on American platforms is not simply to use foreign products. It is to place one’s communications, workflows, data and habits inside systems governed elsewhere.

For years, this dependency seemed harmless because America appeared stable, predictable and aligned with European interests. That assumption now looks far less secure.

Why Linux Appeals Beyond the Technically Curious

My own switch to Linux was motivated initially by principle, but sustained by practical reality.

Linux is, quite simply, excellent.

It offers:

    • greater speed and efficiency
    • far less software bloat
    • more user control
    • minimal intrusive advertising or telemetry
    • freedom from forced ecosystem lock-in
    • a calmer, more focused computing experience

It also avoids a growing trend I find exhausting in mainstream software: the transformation of operating systems into hyperactive consumer platforms.

Notifications.
Recommendations.
Prompts.
Pop-ups.
Embedded AI assistants.
Animated interfaces designed less for work than for perpetual engagement.

Linux, by contrast, still feels like a tool. Not a theme park.

My Preferred Distributions: Mint and Arch

For those exploring Linux, I find two distributions particularly compelling.

Linux Mint: Mature Practicality

Mint is Linux at its most civilised.

Stable, polished, intuitive and highly accessible, it offers a reassuringly traditional desktop experience without sacrificing elegance.

It is the Linux distribution I would recommend to most ordinary users and beginners.

Arch Linux: Radical User Ownership

Arch is a different philosophy entirely.

Minimal, modular and deeply configurable, it demands more of the user—but rewards that effort with extraordinary control.

Arch is not merely software.

It is a statement of intent:

I will shape my tools. My tools will not shape me.

Europe Is Beginning to Think This Way Too

What may once have looked like niche hobbyism is increasingly becoming state policy.

The French government has announced plans to migrate large parts of its public administration away from Windows and toward Linux as part of a broader digital sovereignty strategy.

Other European administrations are exploring or implementing similar moves, including regional and national migrations toward open-source alternatives in Germany and Denmark.

Why?

Because governments are recognising what individuals increasingly recognise:

Dependency creates vulnerability.

Reliance on foreign proprietary platforms means reliance on:

    • foreign licensing decisions
    • foreign corporate roadmaps
    • foreign legal jurisdictions
    • foreign political stability

The Great Irony: Linux Already Runs the World

Here is the part casual users often miss: Linux may still be niche on consumer desktops, but it already powers much of the digital world.

Linux runs:

    • most of the web’s server infrastructure
    • the overwhelming majority of supercomputers globally
    • vast portions of cloud computing infrastructure
    • countless embedded and industrial systems
    • even Android is based on a modified version of the Linux kernel

In other words:

Linux is not an outsider technology.

It is the backbone of modern computing.

The desktop is merely catching up.

A Warning to America — And An Opportunity for Europe

The United States should not assume technological dominance is permanent.

Consumers, institutions and governments are increasingly asking difficult questions:

    • Who controls our infrastructure?
    • Who governs our data?
    • What happens if political alignment breaks?
    • Why are we so dependent on foreign platforms for essential digital life?

If American tech firms continue to treat lock-in as strategy and complacency as entitlement, they may discover that dominance breeds resistance.

Meanwhile Europe has an opportunity.

Not necessarily to replace Silicon Valley overnight.

But to build credible alternatives.

To invest in open standards.
To support interoperable software.
To back European cloud and software infrastructure.
To treat digital autonomy as seriously as energy autonomy.

The next decade may not produce a mass exodus from American technology.

But the direction of travel is becoming harder to ignore.

Slowly, unevenly, but unmistakably.

Final Thought

My move to Linux will not alter geopolitics.

But it is, in its own small way, an expression of a wider conviction:

That technology should serve its user.
That infrastructure should remain contestable.
That dependency should never become invisible.

Linux is not merely for hobbyists anymore.

It is increasingly for those asking a larger question:

Who should control the tools on which modern life depends?

“In times of change, the learners inherit the earth, while the learned find themselves beautifully equipped for a world that no longer exists.”
— Eric Hoffer

When breaking the law is the right thing to do

When Absolutes Meet Life: The Ten Commandments in a World of Grey Zones

Introduction: Granite Pillars, Shifting Ground

The Ten Commandments stand like granite pillars in the moral imagination of the West. Their clarity and simplicity — do not lie, do not steal, do not kill — promise a moral compass that transcends culture, time and circumstance.

Yet the moment we bring them into the tangle of real life, absolutes begin to rub against exceptions.

Take truth-telling: you shall not bear false witness. But if lying spares the hunted from a tyrant’s soldiers, can we still call it sin?

Or killing: you shall not murder. What of the soldier who fires not from hatred but to liberate, or the doctor who relieves excruciating suffering when life is otherwise ebbing away?

The commandments do not disappear. But they begin to bend under the weight of reality.

Where the Commandments Begin to Fracture

Each commandment, when examined closely, reveals a fault line:

    • Do not lie → What if a lie saves a life?
    • Do not kill → What about self-defence, war, euthanasia?
    • Do not steal → What if a starving person takes bread?
    • Honour your parents → What if they are abusive?
    • Keep the Sabbath → What if healing or survival requires breaking it?

Even the Hebrew scriptures acknowledge this tension:
David eats sacred bread when starving. Rahab lies and is praised.

The pattern is consistent: when strict obedience collides with human dignity, compassion begins to override rule.

Modern Grey Zones: Where Ethics Gets Uncomfortable

The ancient dilemmas have not disappeared. They have intensified.

1. Civil Disobedience and Tax Resistance

If citizens believe a war is unjust, are they morally obliged to fund it?

If millions refused to pay taxes in protest, would that be:

    • theft from the state?
    • or moral courage against injustice?

History complicates the answer. Figures like Gandhi and Martin Luther King Jr. framed civil disobedience not as lawlessness, but as obedience to a higher law.

Yet the danger is obvious: if everyone decides individually which laws to obey, social order collapses. So where is the line — between conscience and chaos?

2. State Policies and Human Life

Consider population control policies that have led, directly or indirectly, to the killing of female infants. Is this:

    • a utilitarian attempt to manage resources?
    • or a violation of the most basic moral law — the sanctity of life?

Here the commandment “do not kill” confronts the brutal logic of state planning.

3. Wealth, Environment, and Collective Harm

We do not steal — and yet entire economies extract from the planet in ways that may destroy future generations.

    • Is environmental destruction a form of theft from the unborn?
    • Does profit justify long-term harm?

The commandments were written for individuals.
But today, systems commit what individuals once did.

4. Truth in the Age of Power

“Do not bear false witness” once meant lying in court. Now it includes:

    • political disinformation
    • media manipulation
    • algorithmic distortion

When truth itself becomes a battlefield, the commandment remains, but its application becomes infinitely more complex.

A Personal Dilemma: When Every Commandment Collides

There was a moment when all of this ceased to be theoretical for me.

My mother came to visit me in Germany. At the airport, she was pushed over by an impatient passenger in one of those electric buggies. The fall seemed minor at the time, but it accelerated everything. Her health declined rapidly. Incontinence. Dementia. Depression.

Her GP made a suggestion. We could simulate a bladder infection. That would justify a hospital admission. From there, she would be transferred to a care home for short-term recovery — and, most likely, remain there long-term.

It would mean lying. It would mean manipulating the system. It would mean, in some sense, taking resources that were not strictly ours.

And yet the alternative was to watch her deteriorate without adequate care.

In that moment, the commandments did not line up neatly. They collided.

    • Do not lie — and yet the lie would open the door to care.
    • Do not steal — and yet the system existed precisely to care for the vulnerable.
    • Do not covet — and yet I envied those whose lives were not constrained by such responsibility.
    • Do not kill — and yet I felt flashes of rage toward the woman who had pushed her, a dark instinct that shocked me.

In the end, I followed the doctor’s advice.

My mother received excellent care. She lived for another seven years, safe, supported, and dignified in ways that would not otherwise have been possible.

Looking back, I still ask the question: was it right?

In the language of absolute rules, perhaps not.
In the language of lived reality, I believe it was.

And yet I cannot prove it was right.
I can only say that it was human.

The Real Question: Rules or Responsibility?

The deeper issue is not whether the commandments are right.

It is whether they can ever be applied without interpretation.

    • Absolute rules offer clarity.
    • Real life demands judgment.

Too much rigidity → cruelty in the name of morality.
Too much flexibility → chaos disguised as freedom.

We are left in tension.

A Different Way to Read the Commandments

Perhaps the commandments were never meant to function as rigid laws in every conceivable situation.

Perhaps they are moral directions rather than mechanical rules:

    • not “never lie,” but protect truth and trust
    • not “never kill,” but honour the sacredness of life
    • not “never steal,” but respect what belongs to others

In this reading, the spirit matters more than the letter.

But that raises a dangerous possibility: who decides what the “spirit” requires?

Between Fanaticism and Relativism

This is where modern ethics fractures into two extremes:

    • Fanaticism → rigid obedience, even when it harms
    • Relativism → anything can be justified

Neither is sufficient.

The real challenge is harder: to hold onto moral clarity without losing moral intelligence.

Conclusion: The Burden of Being Human

The commandments remain.

But they no longer stand untouched on distant stone tablets.
They stand within us — contested, interpreted, lived.

To be human is not simply to obey rules.
It is to carry the burden of deciding when, and how, they apply.

And that burden cannot be escaped.

Closing quotation

“He who fights with monsters should see to it that he himself does not become a monster… for when you gaze long into the abyss, the abyss gazes also into you.”
— Friedrich Nietzsche