Financial

Our financial system isn't difficult to understand.

Money is handed from one individual to another or a business.  Items or services are handed back or returned.

Money shouldn't flow the other direction except when change is due.

That's the short or exact explanation.  It could be made using glossaries or scenarios.  It might be spelled out in volumes or bills.

There's good reason for those to exist and it may be inexcusable.  Financial systems have devised many "different or functional" methods of exchange or investment.

Let's examine the thought process:

• A need or want arises.  Most likely a want but unimportant at this stage.
• A financial device is imagined then fine-tuned into producing the desired result.
• It's unlikely to help anyone else at the moment (being unexpected) so everyone else needs to want it.
• The financial device goes through an independent review process to assess the likely effect or impact on a financial system.
• After rejecting the device it goes in an archive of "lessons learned" or it's accepted and a preparation period is given for implementation.
• Our financial system continues upward harmoniously or resonance whips it through frantic cycles.

I'm afraid we missed some steps or understand others backward.  It's an uncommon problem or rarely affects the financial system.

No harm done or value lost.