By Bitcoin 雜誌 - 1 年前 - 閱讀時間：4 分鐘
Bitcoin 可以消除不平等
While the current system is contributing to increasing inequality, Bitcoin serves to benefit everyone equally and promote fair competition.
This is an opinion editorial by Andrew Hetherington, a contributor to Bitcoin 雜誌。
自 1971 年尼克森衝擊以來， 貧富不均 已飆升至一個多世紀以來未見的水平。美元不再可以兌換黃金，而是只能由信仰支持。沒有支持貨幣的限制，當權者有機會創造他們想要的盡可能多的法定貨幣，而幾乎沒有任何後果。法定貨幣注定會因濫用而失去信心，從一開始就注定失敗。
Bitcoin seeks to remedy the inequalities of fiat currency. Bitcoin is decentralized, fungible, permissionless and finite; it does not allow for central authorities to benefit from the theft of its holders’ asset value through inflation. Furthermore, it does not restrict access from those who need it most, providing financial services to those incapable of accessing traditional banking
雙城記
近幾十年來，美國的不平等已經上升到意想不到的高度，只有高收入階層的收入和淨資產在增加。
根據 數據來自皮尤研究中心，高收入者的淨資產和收入已飆升至普通工人之上。從 1981 年到 2018 年，收入最高的 5% 的人超過了其他所有收入階層。此外，從 1983 年到 2013 年，僅高收入階層的家庭淨資產中位數有所增加。
隨著精英階層的收入和淨資產持續飆升，普通工人卻因經濟日益受到操縱而難以養家糊口。在濫用貨幣政策的推動下， 工資沒有增加 自1971年以來的購買力。
First discovered by Richard Cantillon during the 18th century, the uneven expansion of currency disproportionately benefits those closest to the source. This creates theft of buying power from those in lower income brackets, straight into the hands of the elite. Only by using their currency are they able to do this. With the superior monetary qualities of bitcoin, it will eventually replace fiat as the standard medium of exchange. As Bitcoin adoption increases, and slowly renders fiat currency less important, the printing of new fiat currency by nation-states will hamper their ability to manipulate the buying power of the working class.
Thanks to the decentralization of Bitcoin, for the first time in human history, currency expansion will no longer disproportionately benefit any government or central authority. Currency expansion will now become a business, benefiting participating corporations and individuals who are capable of securing the network in a profitable way. Most importantly, unlike fiat currency’s excess printing, bitcoin currency expansion from block rewards will benefit not only those closest to the creation of the digital currency, such as miners and exchanges, but also the holders of bitcoin itself through increasing scarcity and network security. This lack of manipulation by a central authority allows Bitcoin to reduce inequality.
不是典型的銀行擠兌
根據普惠金融中心的數據，約 1.7 億人沒有銀行賬戶。越來越多的研究證據顯示行動貨幣服務改善了發展中國家的金融狀況。根據這個 研究 Tavneet Suri 和 William Jack 估計，隨著 M-Pesa 行動貨幣服務的擴展，大約 194,000 個肯亞家庭已經擺脫了貧困。研究指出，行動貨幣服務帶來的最大改善是財務彈性、儲蓄和職業選擇的增加（尤其是女性）。
Bitcoin provides all of the opportunities of mobile money services like M-Pesa with far lower fees and greater accessibility. Those using it as a means of storing wealth can do so with no account fees and minimal transaction fees. In February 2022, Kenyans living abroad sent home 超過300萬美元。根據世界銀行的數據，匯款至肯亞的平均成本為 企業排放佔全球 9.54% as of 2020. If Kenyans abroad were to use Bitcoin as opposed to traditional remittance services, millions of U.S. dollars would be saved per month.
Alongside financial benefits, Bitcoin is easily accessible as it requires as little as a smartphone to get started. As reported by the World Bank, approximately 1.1億人 globally have no legal identification. Without government-recognized identification, these people are incapable of accessing the traditional finance system. Even without identification, these people are still capable of accessing the Bitcoin 網絡。 Bitcoin provides modern financial services to those who need it most, without restrictions.
With all of the aforementioned benefits of Bitcoin over traditional finance, adoption has been soaring in Africa with cryptocurrency use growing over 1,200% last year 根據Chainalysis。肯亞創辦人 Health Land Spa，托尼·姆旺格拉, has been accepting bitcoin as payment since 2018. As companies are common victims of payment fraud, Mwongela cites the safety and security of Bitcoin as his primary reasons for deciding to accept it as payment.
Continuing to bank the unbanked, Bitcoin adoption is providing opportunity to those left behind by the traditional banking industry. With greater security, accessibility and reliability, Bitcoin is leading us to a more equitable world.
This is a guest post by Andrew Hetherington. Opinions expressed are entirely their own and do not necessarily reflect those of BTC Inc. or Bitcoin 雜誌。
原始來源： Bitcoin 雜誌