Stupid, I'm so stupid!
At first, I was shocked by the financial crisis introduced by the film. I just felt that some people did some wrong things in order to make money, which led to a chain of evil countries and implicated many innocent people!
Confused by the combination lock of finance, I ignored the most fundamental doubts at first!
How can money disappear out of thin air? Gold is extracted from the mine, and can it vaporize and disappear in an instant?
The cause of the 08 financial crisis is that subprime loans (garbage) were packaged in a cornucopia by a series of financial operations by bankers, which lured countless investors into throwing money!
Then after the crisis broke out, they lost a lot, and most of the money they invested was wasted!
But we all know that after money is printed and invested in society to turn left, there is only one way to make it disappear, and that is to "burn" it!
One person spends money, but it flows into another person's hands!
So, where did the investors lose money at that time?
All in the hands of those black-hearted people?
All the money they lost became the money they earned?
With reference to the logic of energy conservation, it seems to be understandable.
But this logic is too simple, I always feel that there is something that cannot be explained!
The actual situation is so complicated, does the logic of conservation of money really apply?
A little dizzy, first stroke your thoughts!
Save the money, don't use it, the money has no value. When used, it may generate value and even create greater value!
That is to say, only by spending money can money have value!
Different ways of spending money have different values!
So let's do a financial trading simulation!
A deposits 100 yuan in the bank, and the bank lends the 100 yuan to B to use 100 yuan to buy ingredients, make food and sell it, and get 200 yuan. Yilian returns 120 to the bank with interest, and the principal changes from 0 to 80. The bank gets back 120, and returns the principal and interest to Huijia 105, and the principal changes from 0 to 15.
A, the bank, and B all make money.
We can all understand that the 100 earned is the embodiment of B's materialization of the labor value of turning ingredients into gourmet food into currency!
However, this 100 is not fabricated out of thin air, it is flowed from the money paid by those in the social group who bought the delicious food.
B sells 200, which means that the social group on the other side, the money is -200!
On the side of creating value, A and B banking system, money +100, food suppliers +100!
The money lost from consumption is the same as the money gained from profit! For the whole social group, the money does not increase or decrease!
And what if, B made the ingredients into dark dishes, no one bought them, or gave them to homeless children for free for charity!
The result is that B spends -100, A and the bank still get +120 according to the rules, and the food supplier still gets +100!
Then, for the entire social group, except for the debt of B, the money paper in the market is +120;
Huh? Something seems to be wrong.
B is in debt, which means that the money paper in his hand is 0, and after the initial 100 banknotes are circulated by his hand, the money of the whole social group has increased by 120.
Conservation logic doesn't seem to apply anymore!
The extra 120 should be issued by the bank according to the rules! What are the rules? It is the contract stipulated when the bank lends money to B!
Although B has lost money, it has nothing to do with the bank, it should still have interest! If the bank does not issue additional issuance, when A wants to get the money back, the bank can't wait for B to repay the debt!
Suppose! The bank was unable to issue additional money, B died unexpectedly, and the objective fact was that he was unable to repay the debt!
Then, A's money - 100, the food vendor +100, and the banknotes of the entire social group (excluding B) remain unchanged! The money A lost, went to the food vendor!
But with the money that the food supplier takes in compliance with the regulations, A's losses cannot be counted on their heads. B's accidental death is a disaster for A and the bank!
Then when the overall summary is made, they will count the debt as a debt, and the bank will say that the market has lost 120 yuan;
120 worth of money evaporated!
For the sake of overall harmony, more banknotes will be issued in the end!
...
What the hell am I struggling with?
B did not die, but since the money he spent was used for good deeds, the group recognized the value of his actions, so he did not need to repay the debt, and then still issued additional banknotes to appease A and the bank!
Conclusion, Talmud! Money still won't disappear out of thin air!
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