Believe in the ability of the economic system to adjust internally. The source of credit is people's general recognition of concepts. The state's guaranteed credit is not unlimited. If a country expands credit lending arbitrarily, ordinary people in that country can use other general equivalents to fill the credit gap. In economic history, after the discovery of the New World, a large amount of gold from the Americas poured into Europe (effectively equivalent to a national over-issuance), and the price of silver naturally rose to adjust for credit spillover; in the late 1940s, the excessive currency issuance of the Republic of China was still suppressed by local gold Silver Currency competes with competitors with better credit guarantees and loses.

The country has the right and ability to issue more currency, but it is impossible for the country to make decisions without taking into account the endogenization of better currency in the market. The probability of killing the goose to retrieve the eggs is not very high unless you drink poison to quench your thirst.

I also agree with you that the issuance of credit cards should theoretically reach 2 billion. However, China has such a current situation: the railway company provides online ticket purchasing services, but train tickets are really needed during the Spring Festival. of people don’t know how to access the Internet. In the same way, even if a card is issued manually, how many people understand its principles and can use it? How do you solve this overall situation?

Finally, I would like to add that your call is as simple as calling for the elimination of nuclear weapons around the world. Existence is reasonable. Whether this presence is good or bad for you, it is there.