{"id":26988,"date":"2023-04-28T01:01:21","date_gmt":"2023-04-27T23:01:21","guid":{"rendered":"http:\/\/www.infokuryr.cz\/n\/?p=26988"},"modified":"2023-04-27T16:53:30","modified_gmt":"2023-04-27T14:53:30","slug":"tri-sokujici-pravdy-ktere-vetsina-lidi-o-penezich-na-bankovnich-uctech-nevi","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2023\/04\/28\/tri-sokujici-pravdy-ktere-vetsina-lidi-o-penezich-na-bankovnich-uctech-nevi\/","title":{"rendered":"T\u0159i \u0161okuj\u00edc\u00ed pravdy, kter\u00e9 v\u011bt\u0161ina lid\u00ed o pen\u011bz\u00edch na bankovn\u00edch \u00fa\u010dtech nev\u00ed…"},"content":{"rendered":"
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Henry Ford byst\u0159e poznamenal, \u017ee pokud lid\u00e9 skute\u010dn\u011b porozum\u00ed bankovn\u00edmu a pen\u011b\u017en\u00edmu syst\u00e9mu, dojde p\u0159es noc k revoluci.<\/strong><\/span><\/p>\n

Proto\u017ee modern\u00ed bankovnictv\u00ed je propracovan\u00e1 iluze, kter\u00e1 d\u00e1v\u00e1 lidem fale\u0161n\u00fd pocit bezpe\u010d\u00ed… dokud nen\u00ed pozd\u011b.<\/span><\/p>\n

Velk\u00e9 banky se mohou zhroutit b\u011bhem hodin a \u00faspory se mohou p\u0159es noc vypa\u0159it.<\/span><\/p>\n

Jak uk\u00e1zaly ned\u00e1vn\u00e9 ud\u00e1losti, americk\u00fd bankovn\u00ed syst\u00e9m je obzvl\u00e1\u0161t\u011b zraniteln\u00fd.<\/span><\/p>\n

Pro\u010d tolik lid\u00ed vkl\u00e1d\u00e1 svou d\u016fv\u011bru a \u00faspory do nestabiln\u00edho syst\u00e9mu?<\/span><\/p>\n

\u0158ekl bych, \u017ee je to proto, \u017ee nech\u00e1pou t\u0159i z\u00e1kladn\u00ed pravdy o modern\u00edm bankovnictv\u00ed.<\/span><\/p>\n

1.<\/strong> <\/span>Pen\u00edze nejsou va\u0161e.<\/span><\/p>\n

2.<\/span> <\/strong>Pen\u00edze tam ve skute\u010dnosti nejsou.<\/span><\/p>\n

3.<\/strong> <\/span>Pen\u00edze ve skute\u010dnosti nejsou pen\u00edze.<\/span><\/p>\n

Pravda 1: Pen\u00edze nejsou va\u0161e<\/strong><\/span><\/p>\n

Mnoho lid\u00ed je p\u0159ekvapeno, kdy\u017e zjist\u00ed, \u017ee pen\u00edze na jejich bankovn\u00edm \u00fa\u010dtu nejsou ve skute\u010dnosti jejich.<\/span><\/p>\n

Jakmile vlo\u017e\u00edte pen\u00edze do banky, ji\u017e nejsou va\u0161\u00edm osobn\u00edm majetkem.\u00a0M\u00edsto toho jej vlastn\u00ed banka a m\u016f\u017ee si s n\u00edm d\u011blat, co chce.<\/span><\/p>\n

To, co m\u00e1te s bankovn\u00edm vkladem, je p\u0159\u00edslib banky, \u017ee v\u00e1m to vr\u00e1t\u00ed \u2013 sm\u011bnka.<\/span><\/p>\n

Vlo\u017een\u00ed pen\u011bz je jako nezaji\u0161t\u011bn\u00e1 p\u016fj\u010dka bance prakticky bez \u00farok\u016f jako kompenzace za podstoupen\u00e9 riziko.<\/span><\/p>\n

To je skv\u011bl\u00e1 nab\u00eddka pro banku a hrozn\u00e1 nab\u00eddka pro v\u00e1s.<\/span><\/p>\n

Proto se bankovn\u00ed vklad velmi li\u0161\u00ed od hotovosti v hotovosti.\u00a0P\u0159esto si v\u011bt\u0161ina lid\u00ed tyto dv\u011b v\u011bci myln\u011b plete.<\/span><\/p>\n

Krom\u011b toho m\u016f\u017ee banka zmrazit \u201eva\u0161e\u201c pen\u00edze stisknut\u00edm tla\u010d\u00edtka, pokud to uzn\u00e1 za vhodn\u00e9.<\/span><\/p>\n

Mo\u017en\u00e1 jste koupili n\u011bco, co se bance nel\u00edbilo, nebo jste ud\u011blali politicky nekorektn\u00ed prohl\u00e1\u0161en\u00ed na soci\u00e1ln\u00edch s\u00edt\u00edch.\u00a0Pak se nedivte, \u017ee v\u00e1m zmraz\u00ed \u00fa\u010det nebo se stane n\u011bco hor\u0161\u00edho.<\/span><\/p>\n

PayPal ned\u00e1vno p\u0159i\u0161el s my\u0161lenkou \u00fa\u010dtovat si 2 500 dolar\u016f za \u0161\u00ed\u0159en\u00ed takzvan\u00fdch \u201edezinformac\u00ed\u201c.\u00a0Od bank a finan\u010dn\u00edch instituc\u00ed o\u010dek\u00e1vejte v budoucnu mnohem v\u00edce.<\/span><\/p>\n

Pokud lze va\u0161e pen\u00edze snadno zmrazit nebo zabavit, nikdy nebyly va\u0161e.<\/span><\/p>\n

Pravda 2: Pen\u00edze tam ve skute\u010dnosti nejsou<\/strong><\/span><\/p>\n

Pen\u00edze, o kter\u00fdch si mysl\u00edte, \u017ee jsou v bance, tam ve skute\u010dnosti nejsou.<\/span><\/p>\n

Banky pro v\u00e1s ve sv\u00e9m trezoru nerezervovaly fyzickou hotovost ani nemaj\u00ed dostatek digit\u00e1ln\u00edch prost\u0159edk\u016f, aby pokryly v\u0161echny vkladatele.<\/span><\/p>\n

B\u011bhem hysterie Covid americk\u00e1 vl\u00e1da zru\u0161ila po\u017eadavky na rezervy bank, co\u017e znamen\u00e1, \u017ee banky nemus\u00ed dr\u017eet hotovost pro v\u00fdb\u011bry.<\/span><\/p>\n

Kam tedy jdou v\u0161echny pen\u00edze?<\/span><\/p>\n

Bez pov\u0161imnut\u00ed v\u011bt\u0161iny vkladatel\u016f mohou banky pou\u017e\u00edt \u201eva\u0161e\u201c pen\u00edze k nemilosrdn\u00e9mu vsazen\u00ed na nejnov\u011bj\u0161\u00ed investi\u010dn\u00ed v\u00fdst\u0159elek.\u00a0Banky pou\u017e\u00edvaj\u00ed \u201eva\u0161e\u201c pen\u00edze k uzav\u00edr\u00e1n\u00ed s\u00e1zek a podstupuj\u00ed rizika, kter\u00e1 by je mohla p\u0159im\u011bt k selh\u00e1n\u00ed a neschopnosti spl\u00e1cet sv\u00e9 vklady.<\/span><\/p>\n

Pokud by jen nepatrn\u00fd zlomek vkladatel\u016f po\u017e\u00e1dal o sv\u00e9 pen\u00edze zp\u011bt, v\u011bt\u0161ina bank by m\u011bla velk\u00e9 pot\u00ed\u017ee, proto\u017ee pen\u00edze nejsou.<\/span><\/p>\n

Tato \u0161pinav\u00e1 praxe je zn\u00e1m\u00e1 jako \u201ebankovnictv\u00ed frak\u010dn\u00edch rezerv\u201c \u2013 a je naprosto leg\u00e1ln\u00ed.\u00a0To v\u0161ak nic nem\u011bn\u00ed na podvodn\u00e9m charakteru t\u00e9to \u010dinnosti.<\/span><\/p>\n

P\u0159edstavte si jak\u00fdkoli jin\u00fd pr\u016fmysl, kter\u00fd pou\u017e\u00edv\u00e1 syst\u00e9m \u010d\u00e1ste\u010dn\u00fdch rezerv.<\/span><\/p>\n

Nap\u0159\u00edklad autobazar nebo klenotnictv\u00ed s d\u00edl\u010d\u00edmi rezervami, kde by prodejce aut nebo majitel klenotnictv\u00ed mohl reklamovat auta nebo \u0161perky 10kr\u00e1t v\u00edce, ne\u017e kolik je skute\u010dn\u011b v jejich invent\u00e1\u0159i.\u00a0Prodali by pohled\u00e1vky za zbo\u017e\u00ed, kter\u00e9 ani neexistuje.<\/span><\/p>\n

Bylo by jasn\u00e9, \u017ee takov\u00e1 praktika by byla podvodn\u00e1.<\/span><\/p>\n

Modern\u00ed bankovnictv\u00ed je podobn\u00e9 Ponziho sch\u00e9matu v tom, \u017ee spol\u00e9h\u00e1 na mylnou v\u00edru, \u017ee pen\u00edze lid\u00ed jsou snadno dostupn\u00e9, i kdy\u017e ve skute\u010dnosti nejsou.<\/span><\/p>\n

Pravda 3: Pen\u00edze ve skute\u010dnosti nejsou pen\u00edze<\/strong><\/span><\/p>\n

P\u0159esto\u017ee lid\u00e9 \u0159e\u0161\u00ed pen\u00edze ka\u017ed\u00fd den, m\u00e1lokdo se zamysl\u00ed nad t\u00edm, co to vlastn\u011b je nebo co vyd\u011bl\u00e1v\u00e1 dobr\u00e9 pen\u00edze.<\/span><\/p>\n

Pt\u00e1t se „Co jsou pen\u00edze?“ je jako pt\u00e1t se ryby „Co je voda?“<\/span><\/p>\n

Ryba si pravd\u011bpodobn\u011b vody ani nev\u0161imne, pokud nen\u00ed \u0161pinav\u00e1 nebo nen\u00ed n\u011bco v nepo\u0159\u00e1dku.<\/span><\/p>\n

Pen\u00edze jsou v ekonomice komodita jako ka\u017ed\u00e1 jin\u00e1.\u00a0A nen\u00ed to slo\u017eit\u00fd pojem na pochopen\u00ed.\u00a0Nen\u00ed t\u0159eba rozum\u011bt slo\u017eit\u00fdm matematick\u00fdm vzorc\u016fm a slo\u017eit\u00fdm teori\u00edm, jak p\u0159esv\u011bd\u010duj\u00ed mnoho lid\u00ed vr\u00e1tn\u00ed na univerzit\u00e1ch, v m\u00e9di\u00edch a ve vl\u00e1d\u011b.<\/span><\/p>\n

Pochopen\u00ed pen\u011bz je intuitivn\u00ed a snadn\u00e9.<\/span><\/p>\n

Pen\u00edze jsou prost\u011b n\u011bco u\u017eite\u010dn\u00e9ho pro ukl\u00e1d\u00e1n\u00ed a sm\u011bnu hodnoty.\u00a0To je v\u0161e.<\/span><\/p>\n

Lid\u00e9 v r\u016fzn\u00fdch dob\u00e1ch pou\u017e\u00edvali jako pen\u00edze kameny, sklen\u011bn\u00e9 kor\u00e1lky, s\u016fl, dobytek, mu\u0161le, zlato, st\u0159\u00edbro a dal\u0161\u00ed zbo\u017e\u00ed.<\/span><\/p>\n

P\u0159edstavte si pen\u00edze jako n\u00e1rok na lidsk\u00fd \u010das.\u00a0Je to jako ulo\u017een\u00fd \u017eivot nebo energie.<\/span><\/p>\n

Bohu\u017eel v\u011bt\u0161ina dne\u0161n\u00edho lidstva bezmy\u0161lenkovit\u011b p\u0159ij\u00edm\u00e1 jak\u00e9koli bezcenn\u00e9 digit\u00e1ln\u00ed a pap\u00edrov\u00e9 bankovky, kter\u00e9 jim jejich vl\u00e1dy d\u00e1vaj\u00ed jako pen\u00edze.<\/span><\/p>\n

Pen\u00edze v\u0161ak nemus\u00ed p\u0159ij\u00edt od vl\u00e1dy.\u00a0To je tot\u00e1ln\u00ed myln\u00e1 p\u0159edstava, kter\u00e1 byla vedena do p\u0159edstav pr\u016fm\u011brn\u00e9ho \u010dlov\u011bka.<\/span><\/p>\n

To by bylo jako vr\u00e1tit se v \u010dase a zeptat se pr\u016fm\u011brn\u00e9ho ob\u010dana Sov\u011btsk\u00e9ho svazu: „Odkud poch\u00e1zej\u00ed boty?“<\/span><\/p>\n

\u0158ekli by: \u201eNo, vl\u00e1da vyr\u00e1b\u00ed boty.\u00a0Odkud by se jinde vzali?\u00a0Kdo jin\u00fd by mohl vyr\u00e1b\u011bt boty?“<\/span><\/p>\n

Je to stejn\u00e1 mentalita jako dnes s pen\u011bzi \u2013 jen je mnohem roz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a m\u00e1 mnohem v\u011bt\u0161\u00ed dopad.<\/span><\/p>\n

Vl\u00e1dn\u00ed m\u011bny jsou hrozn\u00e9 pen\u00edze, proto\u017ee se snadno vyr\u00e1b\u011bj\u00ed a potenci\u00e1ln\u011b neomezen\u00e9 z\u00e1soby.<\/span><\/p>\n

Voln\u00fd trh by si nevybral vl\u00e1dn\u00ed konfety jako pen\u00edze, pokud by z\u00e1kony nevynucovaly jejich pou\u017eit\u00ed.<\/span><\/p>\n

M\u016f\u017eete to vid\u011bt i jinak.<\/span><\/p>\n

P\u0159edstavte si, \u017ee Tony Soprano nut\u00ed sv\u00e9 okol\u00ed pou\u017e\u00edvat kousky pap\u00edru s jeho podpisem jako pen\u00edze a vyhro\u017euje n\u00e1sil\u00edm ka\u017ed\u00e9mu, kdo to neuposlechne.\u00a0To vl\u00e1dy d\u011blaj\u00ed se sv\u00fdmi m\u011bnami.<\/span><\/p>\n

To je z\u00e1klad.\u00a0Tvrdost je nejd\u016fle\u017eit\u011bj\u0161\u00ed kvalita dobr\u00fdch pen\u011bz.<\/span><\/p>\n

Tvrdost neznamen\u00e1 n\u011bco, co je nutn\u011b hmatateln\u00e9 nebo fyzicky tvrd\u00e9, jako je kov.\u00a0M\u00edsto toho to znamen\u00e1 \u201eobt\u00ed\u017en\u00e9 na v\u00fdrobu\u201c.\u00a0Naproti tomu \u201esnadn\u00e9 pen\u00edze\u201c se snadno vyr\u00e1b\u011bj\u00ed.<\/span><\/p>\n

Tvrdost je nejl\u00e9pe ch\u00e1pat jako \u201eodolnost v\u016f\u010di znehodnocen\u00ed\u201c, co\u017e z n\u00ed d\u011bl\u00e1 dobr\u00e9ho uchovatele hodnoty \u2013 z\u00e1kladn\u00ed funkce pen\u011bz.<\/span><\/p>\n

Cht\u011bli byste investovat sv\u00e9 \u00faspory do n\u011b\u010deho, co m\u016f\u017ee vyrobit n\u011bkdo jin\u00fd bez pot\u00ed\u017e\u00ed a v\u00fddaj\u016f?<\/span><\/p>\n

To bys samoz\u0159ejm\u011b neud\u011blal.<\/span><\/p>\n

To by bylo jako investovat sv\u00e9 \u00faspory do \u017eeton\u016f Chuck E. Cheese, m\u00edl\u00ed pro \u010dast\u00e9 cestuj\u00edc\u00ed nebo kousk\u016f pap\u00edru podepsan\u00fdch Tonym Sopranem.\u00a0Bohu\u017eel se p\u0159\u00edli\u0161 neli\u0161\u00ed, pokud sv\u00e9 \u00faspory investujete do st\u00e1tn\u00edch m\u011bn.<\/span><\/p>\n

Na dobr\u00fdch pen\u011bz\u00edch je \u017e\u00e1douc\u00ed n\u011bco, co n\u011bkdo jin\u00fd nem\u016f\u017ee snadno vyrobit.<\/span><\/p>\n

Z\u00e1v\u011br<\/strong><\/span><\/p>\n

Bankovn\u00ed syst\u00e9m je k\u0159ehk\u00e1 iluze, kter\u00e1 se m\u016f\u017ee n\u00e1hle zhroutit a vymazat \u00faspory milion\u016f lid\u00ed, kte\u0159\u00ed v syst\u00e9m ztratili d\u016fv\u011bru.<\/span><\/p>\n

Tato d\u016fv\u011bra z\u00e1vis\u00ed na lidech, kte\u0159\u00ed nerozum\u00ed t\u0159em jednoduch\u00fdm pravd\u00e1m o bankovn\u00edm syst\u00e9mu:<\/span><\/p>\n

1.<\/strong><\/span> Pen\u00edze nejsou va\u0161e.<\/span><\/p>\n

2.<\/strong> <\/span>Pen\u00edze tam ve skute\u010dnosti nejsou.<\/span><\/p>\n

3.<\/strong> <\/span>Pen\u00edze ve skute\u010dnosti nejsou pen\u00edze.<\/span><\/p>\n

Na\u0161t\u011bst\u00ed Bitcoin nab\u00edz\u00ed lep\u0161\u00ed alternativu k tradi\u010dn\u00edmu bankovnictv\u00ed, kter\u00e9 dnes funguje.<\/span><\/p>\n

Bitcoin odd\u011bluje pen\u00edze od st\u00e1tu a poskytuje \u00fato\u010di\u0161t\u011b oby\u010dejn\u00fdm lidem.\u00a0M\u016f\u017eete jej snadno pou\u017e\u00edt k dr\u017een\u00ed, odes\u00edl\u00e1n\u00ed a p\u0159ij\u00edm\u00e1n\u00ed hodnoty bez povolen\u00ed t\u0159et\u00ed strany.<\/span><\/p>\n

S bitcoiny:<\/strong><\/span><\/p>\n

Pen\u00edze jsou skute\u010dn\u011b va\u0161e, proto\u017ee pouze vy m\u00e1te p\u0159\u00edstup a kontrolu.<\/span><\/p>\n

Pen\u00edze tam opravdu jsou, proto\u017ee si m\u016f\u017eete zkontrolovat sv\u016fj z\u016fstatek a celou \u00fa\u010detn\u00ed knihu.<\/span><\/p>\n

Jsou to opravdu t\u011b\u017ek\u00e9 pen\u00edze, bez rizika protistrany a zcela odoln\u00e9 v\u016f\u010di znehodnocen\u00ed.<\/span><\/p>\n

To je z\u00e1klad.<\/span><\/p>\n

Bankovn\u00ed syst\u00e9m je m\u00edle vysok\u00fd dome\u010dek z karet, kter\u00fd se m\u016f\u017ee kdykoli zhroutit.<\/span><\/p>\n

Nebu\u010fte spokojen\u00ed, podnikn\u011bte kroky k zaji\u0161t\u011bn\u00ed sv\u00fdch pen\u011bz, ne\u017e bude p\u0159\u00edli\u0161 pozd\u011b.<\/span><\/p>\n

M\u00e1m podez\u0159en\u00ed, \u017ee bankovn\u00ed syst\u00e9m by mohl m\u00edt brzy velk\u00e9 pot\u00ed\u017ee… a pro v\u011bt\u0161inu lid\u00ed to nebude hezk\u00e9.<\/span><\/p>\n

Jen m\u00e1lo lid\u00ed si uv\u011bdomuje, co se skute\u010dn\u011b d\u011bje.<\/span><\/p>\n

A je\u0161t\u011b m\u00e9n\u011b jich v\u00ed, jak se p\u0159ipravit.<\/span><\/p>\n

Tak\u017ee jsem pr\u00e1v\u011b zve\u0159ejnil nal\u00e9havou\u00a0<\/span>zpr\u00e1vu ve form\u00e1tu PDF<\/span><\/a>\u00a0, kter\u00e1 ukazuje t\u0159i zp\u016fsoby, jak to m\u016f\u017eete ud\u011blat.<\/span><\/p>\n

P\u0159e\u010dt\u011bte si to co nejd\u0159\u00edve, proto\u017ee brzy m\u016f\u017ee b\u00fdt p\u0159\u00edli\u0161 pozd\u011b na to, abyste n\u011bco ud\u011blali.\u00a0Klikn\u011bte\u00a0<\/span>sem<\/span><\/a>\u00a0a z\u00edskejte ji hned.<\/span><\/p>\n<\/div>\n<\/div>\n

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ZDROJ<\/a><\/span><\/h3>\n<\/div>\n<\/div>\n

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Henry Ford byst\u0159e poznamenal, \u017ee pokud lid\u00e9 skute\u010dn\u011b porozum\u00ed bankovn\u00edmu a pen\u011b\u017en\u00edmu syst\u00e9mu, dojde p\u0159es…<\/p>\n","protected":false},"author":2,"featured_media":24579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[1042,503,90],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/26988"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=26988"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/26988\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/24579"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=26988"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=26988"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=26988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}