Human Security in Pakistan billion, compared to a surplus during the period in July to December 2020. The next few months after December 2021 actually witnessed a massive fall in the foreign exchange reserves. The other important missing area in the National Security Policy is the lack of recognition of the high level of poverty, which had increased significantly after the spread of the COVID-19 epidemic in Pakistan and, more recently, after the floods. However, there is full recognition in the policy of the need for territorial security, environmental protection and natural disasters, food security, gender inequality, shelter, and employment. Based on the above key areas of focus for the improvement of HSI, the subsequent chapters are organized as follows: Chapter 13: Strategy for Avoiding Default Chapter 14: Charter of the Economy: The Financing Plan Chapter 15: Policies, Reforms, and Laws for Higher HSI The Chapter on the Charter of the Economy focuses on a comprehensive National Financing Plan for mobilizing in a progressive manner additional resources and achieving a prioritized cutback in different areas of public expenditure. The resources generated thereby can then be used to aggressively tackle poverty, raise health and education spending, and expand the development program in key areas like water resources by earlier completion of the major dams, forestation, etc. The implementation of the Charter of the Economy will also provide the necessary revenue cover to defense spending and thereby ensure higher territorial security. 104