Magic Tower Starry Sky

,!

"The solution?" Ke Yin asked directly for the answer.

"Let's talk about the easy solution first, and that is the issue of trust. This is the most difficult for me, but it is the easiest for Your Majesty."

"Because... I am a god?" The gods who exist because of money, of course, have enough acumen to calculate the advantages after development for the method proposed by the magician in front of them.

Simply put, this method makes up for some inherent shortcomings of coins as an intermediary in transactions. Not only does it expand the concept of 'coin', but it also makes it possible for the belief in the Goddess of Gold Coins to spread more widely.

But to be honest, all of this does not necessarily require him, the god, to come forward to execute it. In his perception, the money flows that have been operated in this way have no direct relationship with him as a god.

However, what is the purpose of this man coming to him and offering this method, of course, will arouse Ke Yin's suspicion. It's just that he didn't ask the question immediately.

But if it is said that oneself is the solution to the problem, it seems that one can understand why this human being came to him.

Lin further explained: "Exactly. If it is me, or finds a certain nobleman, king or big businessman to do this, other than themselves, everyone else will have the same question, that is Why should I put money in their treasury in exchange for a mere paper certificate. What if the person who received the money refuses to accept it, or runs away after receiving it? To develop enough trust, it takes years of careful actions. In comparison, Your Majesty, if you appear as a god, this matter will be much easier."

"What's the difference?" Ke Yin didn't understand.

Flipping his palm, Lin conjured a gold coin in his hand, and said, "Your Majesty, I just want to ask, can the gods use gold coins to trade?"

The halfling goddess shook her head quite simply. Gold coins are useless to the gods. Even collecting and giving rewards to believers, no **** has ever thought of doing this.

Lin smiled and said: "That's right. Gold coins are useful to us mortals, but useless to gods. People use the method I designed, that is, when people deposit or withdraw coins into their personal accounts, they need to chant your gods." Name and pray. In this process, your strength will grow, and this is the benefit you can get. And the collected coins are really just for you to keep, and they will be shared with the depositor. Exchange it back when needed. But people may embezzle these collected coins without permission because of greed. This is the difference that people worry about when people or gods do it."

The issue of trust in financial institutions such as banks seems to have ceased to exist in the 21st century on earth. It is also because of the endorsement of official organizations and the support of some financial policies that people need to open an account to save money. The consideration is the convenience of use, not the credibility of a certain bank.

However, don’t look at the fact that the Swiss Bank rejected Hitler’s handover of funds from Jewish accounts during World War II. Such a behavior that people talk about makes people think that the bank is an organization that has integrity and is not afraid of power. In reality, how many court orders, or even administrative orders, make banks 'lawfully' violate personal property.

If the money in the account is the criminal proceeds of the holder, then whether it is frozen or confiscated, it is of course well deserved. But is it true that some moths living in institutions abuse their power or use power for personal gain?

Therefore, some people who are worried have put forward the idea of ​​'decentralization' to make the financial tool of 'money' more pure. To put it bluntly, while avoiding supervision and control, it is also trying to break the old financial order and establish new rules. And because the number of virtual currency has its design limit, without the possibility of unlimited money printing, the phenomenon of inflation will be greatly suppressed.

The official counterattack cannot resist the general trend of technological progress, just like a strong ship and a cannon blasting away a city wall and shield, it is irresistible. At best, it's procrastination and trying to figure out how to establish new rules of the game. In contrast, capital's counterattack is truly fatal.

When financial tools with high expectations are turned into financial commodities, when talking about virtual currency, everyone's first thought is investment and profit, and decentralized virtual currency becomes a joke. It can't buy vegetables in the market, can't buy cigarettes in the store, and only criminals use it to launder money. Virtual currency is just a good place for the fourth capital to cut leeks besides the stock market, foreign exchange market and futures. Only fools touch it!

What if, apart from its own value, the central pillar of currency is not a person or an organization, but a god?

It excludes the man-made operations brought about by human greed, and under the supervision of the gods, the flow of money is allowed to operate according to fixed rules, and this rule will not be changed arbitrarily due to the wishes of a few people. Such a currency system should be better than the blood-sucking system on the earth that has been modified by demons so that normal people cannot understand it.

"Well, I probably understand why you came to me. So what do you mean by the inducement you mentioned?" Ke Yin continued to ask.

"It's very simple. You see, Your Majesty, before this method was available, everyone used coins made of gold, silver, and copper to make a living. Even if there are some inconveniences, who doesn't come here like this? In this case, a different method of using coins is proposed, how many people will give up the old method they are used to for no reason, and use a new method with complicated rules and unfamiliar rules? At this time, incentives are needed, It can also be said to be a demand. In this way, you can agree."

Not only Ke Yin nodded, but everyone else in the temple also nodded mechanically. Lin continued: "To find out what kind of people have needs for the new method of using money, you must first know the difference between the old and new methods. First of all, I want to emphasize the difference in the method of use, because the value of the coin itself It will not change. Then the coin is kept by the owner, and the biggest difference is that the coin is kept by your Majesty in exchange for a paper certificate. Of course, the biggest difference lies in safety and convenience. It may be robbed or stolen if you carry it on your body. ;If you carry too many coins, the weight of the coins will become a huge burden. If you carry more coins, you can’t even carry them on your body, you need to use a car to transport them, and you need more people to protect them. And these people need to be paid , the cost will increase virtually. That’s right.”

Like teaching students, Lin waited for everyone to nod again before taking a breath, and continued: "Then people who need a new method for the two advantages of safety and convenience are businessmen and those who hold a large amount of coins. People with circulation needs. The former is easy to solve, as long as you tell them that although sending coins to His Majesty’s treasury and registering them under their personal accounts will require a storage fee, but when the amount of money is quite large, Compared with the cost of the guards, the extra manpower required for transportation is absolutely a drop in the bucket. Not to mention that if there are too many people hired to transport coins and guards, there will be a risk of being betrayed. Comparing the two, as long as it is a profit-seeking businessman , they all know how to choose. Then for them, the remaining consideration is the issue of convenience. That is, if I deposit coins in the Temple of the Goddess of Gold Coins in a certain place, is there a place to withdraw them at my destination? Or, would the person I trade with be willing to transfer the agreed transaction amount from one personal account to another under the witness of Your Majesty, so as to save a huge amount of money from your Majesty? After withdrawing it from your treasury and handing it over to other people, maybe another person will turn around and deposit the same money into your treasury, wasting each other's time and energy."

Before the establishment of the modern banking system, the operation of money in the East and the West had different development trajectories.

The Western world, dominated by Europe, started in Venice, Italy in the thirteenth century. That is actually usury, without the various functions of modern banks.

The Eastern World in my hometown originated from the Feiqian business in the Tang Dynasty. This has nothing to do with lending, but the remote deposit and withdrawal that Lin wants to carry out in Midi, or the exchange business. Qianzhuang and Jiaozi began to exist in the Song Dynasty. The former was related to lending, while the latter was the prototype of banknotes. It was not until the Ming and Qing Dynasties that there were ticket numbers, and a more standardized exchange business was carried out.

This is not to say that there were no usury in my hometown before the Song Dynasty. Rather, before the appearance of the bank, most of the lenders and borrowers were landlords and tenants, and there was no external operation institution like the bank.

Similarly ~www.wuxiamtl.com~ the usury business in the Western world did not only exist in the thirteenth century. Before that, it was the church and the nobles who carried out the money lending business. And the so-called businessman must have one of the two identities, or both.

The route that Lin arranged for Midi was actually an exchange route for flying money and ticket numbers. The reason why I don’t want to get involved in the lending area is that besides Midi’s own lending system, the Goddess of Gold Coins dominates the entire Midi’s financial system. Adding lending business to the system can easily release funds on the same scale as the earth, or even A more vicious financial monster.

Whether it is the aggression brought by capital or the **** of inflation, a certain crossover who has suffered from it does not want to bring such pain to the natives of the other world. The Master said: Do not do to others what you do not want yourself to do to yourself.

Even if, as the person who built this financial system, he can firmly stand on the side of the vested interests and **** the blood of the whole world. But...does it make sense? If someone doesn't fight for the king or hegemony, if he releases this monster, the possibility of backlashing himself can be said to be almost 100%!

Someone still wants to sleep peacefully and find a way home. Rather than being forced into the never-ending **** of chasing profits or paying debts.

I don't know if this halfling woman knows the worries of a certain magician. He pondered over Lin's idea, but did not find any serious flaws, and asked, "The businessman has solved it, so what about the nobles?"