In the landscape of global finance, a pressing issue remains unresolved: America's escalating debt. Despite widespread concern, the financial markets maintain an air of tranquility, masking the severity of the situation. U.S. Treasury bonds persist as the preferred choice for investors seeking stability amidst uncertainty.
The United States government's cavalier attitude towards fiscal responsibility is evident. Years of unchecked borrowing have become the norm, with deficits consistently outweighing revenues since 2001. This trend, embraced across party lines, has fueled a cycle of debt accumulation driven by various justifications—from economic crises to public health emergencies, environmental initiatives to subsidies for burgeoning industries. Consequently, America's debt levels now rival those seen only during World War II.
The Congressional Budget Office (CBO), an impartial arbiter of fiscal matters, issues a stark warning. If current trends persist, the debt-to-GDP ratio could soar from 97 percent to 166 percent by 2054, excluding state and municipal debts. Such a trajectory poses significant risks to the nation's economic stability, with the current debt exceeding a staggering $26 trillion.
While projections extending to 2054 are speculative, the evolving financial landscape warrants attention. Unlike previous years characterized by low interest rates and manageable debt service costs, today's reality is different: the cost of borrowing is rising. Interest rates on government bonds are poised to surpass defense spending, a shift exacerbated by the Federal Reserve's tightening policies.
The Fed's actions exacerbate the debt dilemma. Rising interest rates and reduced bond purchases signal a departure from accommodative monetary policies. Yet, fears of a buyer's strike have yet to materialize. American households, money market funds, and foreign investors have stepped in to fill the void left by the Fed, demonstrating resilience amidst uncertainty.
The paradox persists: America's fiscal imprudence goes largely unchecked by the market. Despite unsustainable policies, Treasury bonds remain a cornerstone of global finance, buoyed by the dollar's status as the world's reserve currency and America's economic prowess. The sheer size and liquidity of the U.S. bond market provide reassurance to investors, outweighing concerns about mounting debt.
In a world fraught with instability, investors perceive U.S. Treasury bonds as a haven of stability, albeit tarnished. Alternatives pale in comparison, whether it's the eurozone's fragility, Japan's staggering debt burden, or China's governance challenges. Consequently, America continues to enjoy preferential treatment in the eyes of investors.
‘ Despite unsustainable policies, Treasury bonds remain a cornerstone of global finance, buoyed by the dollar's status as the world's reserve currency and America's economic prowess. ‘
Here’s the crux of the matter. There’s no alternative to the US dollar which can be taken seriously. Many SN readers obviously think Bitcoin will step into that role but it’s currently too small and too young.
reply
It's getting into its position step by step
reply
This note from Lyn Alden seems relevant to your step by step comment:
A couple months ago I had a discussion with the head of digital assets at a multi-trillion AUM financial institution about the topic of whether bitcoin is a risk-on asset or a risk-off asset.
This wasn’t about what it is conceptually (i.e. globally portable finite bearer assets are conceptually good to own in a crisis, neither of us disagreed on this), but rather how its price would actually behave in a crisis currently and for the next several years.
Their view was that it could be marketed as a risk-off asset, meaning something that is likely to go up in a crisis, and that if marketed this way it would allow them to put bitcoin ETFs into more portfolios and weight it bigger.
My view was that while of course people should own bitcoin, it’s not yet a risk-off asset in practice in terms of price action, and that marketing it that way is likely to lead to disappointment for those that expect it to perform like that.
We then got into a discussion about how bitcoin went up in the March 2023 banking crisis. They suggested that this is evidence of emerging risk-off behavior, to their point.
I disagreed, and clarified that in my analysis the closest correlation to bitcoin price action is measures of global liquidity. Some types of crises are pro-liquidity and some are anti-liquidity, and will likely affect bitcoin’s price accordingly.
The March 2023 banking crisis was a pro-liquidity event because it was quickly apparent that the Fed/Treasury would bail banks out fast and slow their rate hikes. Therefore, bitcoin went up not because it was a risk-off asset per se, but rather because it behaved as a pro-liquidity asset as it frequently has.
The Iran/Israel event this weekend was an anti-liquidity crisis because it contributed to a flight-to-safety move toward the dollar (i.e. the unit of account for which the most debt is denominated in, and debt represents inflexible demand for that unit). A sharp move up in the dollar is bad for global liquidity because it hardens the debts of various foreign entities (sovereigns and corporations) relative to their cash flows (which are to varying degrees partially or completely denominated in fiat units other than the dollar). And so bitcoin behaved as it normally does: it went down amid falling global liquidity.
At this stage (with its relatively small size, high volatility, and poor understanding of most people for the asset), I continue to view bitcoin price action as likely to be pretty correlated with global liquidity for a while. Understanding that dynamic is helpful when communicating expectations to people and when determining which types of crises are likely to push its price up or down. Yes, bitcoin is a risk-off asset conceptually, but in practice in terms of macro price action it is still a pro-liquidity asset primarily.
When bitcoin price action starts to behave differently from that trend, I’d be happy to report on that observation.
reply