The answer is fiat. Fiat is the powerful force ripping everything apart. 
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Who is decreeing it?
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Fiat - Etymology
Latin, let it be done, 3rd singular present subjunctive of fieri to become, be done
Definition of FIAT
an authoritative or arbitrary order : decree; an authoritative determination : dictate; a command or act of will that creates something without or ...
No decree it’s just the incentives and game theory. When monetary policies can be changed at a whim by a few weak men everyone suffers