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Sorry, but money was borrowed even when people paid in gold. The loan market is not dependent on fiat and has nothing to do with Keynes.
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oh another one that didn't studied well...
Let's talk in 5 years again.
https://i.postimg.cc/X7P2YC5q/told-you-so.jpg
OMG... fiat lover and keynesian.
You have much to learn...