The Fourth Spiritual Stone Financial Crisis

"Any currency backed by physical assets, whether it be the gold standard or the spiritual stone standard, has a fatal flaw: the inability to independently adjust the money supply, inevitably leading to a financial crisis due tomismatches between money supply and demand. Credit currency is also not a panacea; the problem is not the currency itself, but the issue of distribution in the cultivation society." — Excerpt from Yang Lu's autobiography, 'The Eve of the Fourth Spiritual Stone Financial Crisis,' by the fifth Governor of the Spiritual Stone Reserve Bank of the Nine Provinces Cultivation Realm.