there is a group of people that opt-in to an emerging technology and therefore experience a deflationary economy. the world everyone else experiences is inflationary. credit based systems are not as profitable in a deflationary economy. people no longer need access to credit to deal with rising living expenses. instead thing get cheaper over time. therefore, less debt overall. the use of a banks money rather than to spend your own is still present. if any bank early adopts the emerging technology, it captures market share. now that Sab 121 has been removed, who will go first?