This column is the third in a series of essays exploring various aspects of the Guyanese financial system. I have done a lot of research on money, banking and financial markets, as well as the accompanying monetary theories underpinning them. I have taught a course titled Money, Banking and Financial Markets for fifteen years. I was even the monetary theorist advisor to a technology start-up trying to build a cryptocurrency. It is surprising how the best computer programmers are mystified by monetary theory as much as I am with complex computer codes. In spite of this background, I still find it difficult to write on these topics for a popular audience.