we can hardly give loans in bitcoins to poor countries, we need securities again. look at the example of Argentina, they pledged their gold to get cash to restore the economy. and this is the most superficial example, because the lending structures are very complex, we have different obligations, insurance, intermediaries and other guarantees. it is very beautiful to compare bitcoin with gold and say that the problem of gold is its fragmentation and storage, and digital will easily solve this, but the economy is a process of human relationships, and they are quite complex in nature.

it is also important to understand that forms of credit have always existed, and they are what drove the economy. the simplest example is tax collectors helping the roman authorities collect taxes from the provinces, this is the same form of credit, helping not to fleece people, but to create regular payment systems for them and thus contribute to their development.

and returning to gold, I think that gold went out of circulation precisely because it slowed down development. man is stingy by nature. poverty is often a problem of the intellect and psyche. In literature we often come across stories about people who died of poverty, but with a piece of gold in their hand, afraid to part with it, they went to die of hunger. therefore, an element of cheap money is necessary as a destroyer of the psychological barrier of human behavior. especially for poor countries.

over time, humanity will come to the harmonization of monetary relations, but it will not be one bitcoin, it will be a set of networks. and I believe that the ultimate goal is a digital platform of the sharing economy, so we should already have in mind the architecture of this future system.