essentially, a hard credit system depends on people having savings, and keeping savings depends on the money not being inflationary

so, if you have a system with a non-inflationary money, you can't toy with credit unless you have high confidence and a big reserve to back your ass up when your bet goes south

we'd get rid of the entire VC fluff and endless makework and people wasting their time on highly speculative bets if we had hard money, and that would result in ... more results, instead of people getting paid to do something nobody is ever going to pay for