Wednesday, November 2, 2011

The Greek Referendum: The End of the Beginning


Georgios Papandreou's decision to go to the Greek people for a decision on how the country will move forward marks the point in history around which global affairs will be decided for the next several years. Assuming that he is allowed to hold it of course.

The great consternation of the Eurocrats and the Europhiles stems from the fact that the United States of Europe was never intended to be a democracy. The architects of the European Union intended the Eurozone to be the first Noocracy, where the well educated, well trained, and well connected Eurocrats would make the decisions for everyone. The unwashed masses simply did not and do not know what is in their own best interest.

Noocracy, like communism, is a pipe dream doomed to fail because it fails to account for human nature. Citizens will not be content to be told that they have rights, they will actually expect to exercise those rights.

So the Greek decision to go to the people is an appalling gamble to the Eurocrats. The truth is, like I said months ago, it is a necessary step that must be taken before a resolution to the problem can be reached.

Greece does not have a budget problem. This is why the EU throwing money at the Greeks for the past 2 years has not had any effect on the problem.

What Greece has is a social problem, that creates a political problem, that manifests itself as a fiscal problem. None of the bailouts offered to Greece have ever addressed the issue of the social problem in Greece.

What is the social problem in Greece? It is the sense of entitlement. It is the acceptance of cheating on ones taxes. It is the belief that the state is a bottomless fountain of economic well being. The social problem in Greece is that the people of Greece have never really changed their way of thinking when they transitioned from a military dictatorship to a democracy. The Greek people still view their government as a separate entity from themselves, not as a manifestation of their collective will.

The social problem that must be addressed is that the Greek people must accept that they, not their government, not the other countries of the EU, but the Greek people themselves are responsible for the situation they find themselves in. The referendum, however it turn out, will force the people of Greece to start accepting responsibility for their situation.

The political problem that the Greek social problem has created is a culture of corruption, cronyism, and incompetence. The Greek government even prior to its' subsumation to the European Commission was ineffective. The Greek people didn't care because they didn't feel responsible for the government, they were just hoping to get their cut of the pie.

Once the Greek people start seeing the Greek government as belonging to them, then the foundation can be laid to fix the political problems inside the government. The Greek people will no longer look at their fellow countryman in envy because he got a government job that does not require him, or her, to do any work, or even show up for work. In the new Greece this will become an insult to the people and they will demand accountability from their law makers.

This will not happen overnight. You do not change a cultural mentality on a dime. But the referendum, whatever the results, will force the Greek people to accept the consequences of their decision and that responsibility will weigh heavily on their consciousness. The responsibility will change who they are as a people. This is not a bad thing, it is a necessary step to resolve the fiscal problem.

If through byzantine political manipulation, from inside and/or outside Greece, the referendum is derailed, then the current mess of never ending crises will continue. The underlying cause for why the first 10 bailout plans have failed is because they all anticipated an economic growth rate for the Greek economy that could only be achieved with 'buy in' from the Greek people. The Greek people have never bought in to the crisis plans and consequently the Greek economy has continuously shrunk. Without economic growth, there is no prospect for Greece being able to meet its' obligations.

Last weeks rescue plan, with 'voluntary' 50% haircuts for bond holders, envisioned Greece having modest economic growth for the rest of the decade and therefore being able to stabilize its' debt at 120% of GDP. What part of debt at 120% of GDP is sustainable? How was Greece going to achieve modest economic growth when the austerity already introduced was producing negative 5% growth and the plan called for even greater austerity? The numbers simply don't make sense for Greece. They do make sense for Germany however.

What do I think the outcome will be?

If the leaders of the EU are respectful of the right of the Greeks to decide, I think the Greeks will decisively choose to stay in the Euro. If the EU leaders continue to act threatening and petulantly towards the Greeks, I think all bets are off.

The best choice, or perhaps more correctly the least bad choice, for the Greeks is to leave the Euro and go through a hard default. This would be an extremely painful adjustment for Greece and the Greek people. Most people would lose their life savings in the transition, pensioners would suffer the most perhaps because they have constrained ability to continue working or to find work. Generally, the first year or eighteen months after the default would be a gut wrenching experience. Then it would be over, and if the Greek people take responsibility for their government, things will get better quickly from there.

Greece leaving the Euro is the worst possible choice for the more prosperous countries of the Eurozone. Hence the vitriolic response of EU leaders to the Greek referendum. Germany, France, and the other EU countries want to continue muddling through until they can fix their banking systems (which they still haven't started doing, three years into the financial crisis). The EU leaders hope that if they can just keep kicking the can down the road long enough, then global economic growth will solve their problems for them. Unfortunately, the failure of the EU leaders to solve their own problems is threatening to take the global economy down with them.

If the Greeks choose to stay in the Euro, then you still have to deal with the problem of how the Greek economy is going to manage modest economic growth. Although I believe that the Greeks taking responsibility for their fate will ultimately lead to better government and economic growth, it will not happen within the time frame mandated by the European Commission. Consequently, I see no prospect for the Greek economy to achieve modest economic growth in order to stabilize its' debt within the framework of the Euro.

Voting to stay in the Euro would be the least bad choice for the Germans, but I do not see it being very helpful for the Greeks. Ultimately, staying in the Euro will require an endless stream of bailouts with no hope for the economic growth that is actually needed to solve the problem. Staying in the Euro is probably a vote for 10 years of economic hard times and political humiliation, followed by a decision to leave the Euro and default. I doubt that the Germans would take the 10 years to fix their banking system, meaning the result will be the same, we're really only talking about when.

The Greek referendum, if it is held, will mark the point at which the Euro changes forever. Whether it is for the better or for the worse will depend upon your point of view. The good news is that it will be decisive. It will provide clarity for everyone. The bad news is that those governments who have been whistling past the graveyard won't be able to stay in the shadows anymore. The search lights of the capital markets will be seeking them out and we will find out which of them are actually naked and unarmed.

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