Fiat Currency: Hawa Ka Paisa
Agar note ke peeche gold nahi hai, aur silver bhi nahi, toh us kagaz ke tukde mein qeemat aati kahan se hai? Aaj jo har din sauda aap kartay hain wo aisi hi paper mein hota hai jisay 'Fiat Money' kehtay hain.
Nixon Shock ke baad, duniya bhar ke mulk is azad (un-backed) fiat model par aa gaye. 'Fiat' ka Latin matlab hai 'Let it be done' - Yani hukum se! Fiat currency ki qeemat sirf hukumati kanoon hoti hai aur logon ka us qeemat par 'Etemaad' (Trust).
1000 rupay ka note uthayein. Us par likha hota hai 'Main dharak ko 1000 rupaye adaa karne ka wada karta hun - RBI Governor.' Yeh sirf ek Promise (wada) hi hota hai. Is kagaz ki physical zaati qeemat kuch rupay (printing cost) ki hai.
Fiat system ka asool simple hai: Agar logon ka yaqeen sarkaar par se uth jaye toh Fiat currency ki value zero ho jaati hai jaise Zimbabwe mein hua. Par jab tak yaqeen hai, currency chal paregi. Fiat paisay mein intrinsic value (zaati qeemat) nahi hoti.
Sochiye: Aapki poori mehnat (savings) ek aisay paper asset mein lock hai jis par kisi physical asset ki koi zamanat (backup) nahi di ja rahi. Aapko darr lagta hai?
Key Takeaway
Aaj ke modern dollar ya rupees 'Fiat Money' hain. Unhe sirf hakumat ka mandate tasleem kara raha hai aur unka koi zaati asaas (real backing) nahi hai. Trust tutay toh paisa hi kaghaz ki raddi hai.