Talking about the detail is wasting the effort when the problem is located at higher level, which is, the whole system is built in a socialism territory, started when Gold is by planning (major element of socialism), taken away from banking industry.
Just as a heads up if you wonder why your comment is gray and has a negative score.
HN really doesn't like or wants comments saying "agree", "nice", "+1" etc., because they add nothing to the conversation. Just upvote a comment/post if you agree or like it :)