causal

Dollarization's Core Cost Is No Bank Bailout

Dollarization is a desperate measure whose biggest cost is that you cannot bail out your own banking system, because the physical currency is only a small piece of the money supply while bank deposits represent most of it without real dollar backing; only Hong Kong has enough dollar reserves to truly backstop its banks.

causalpending

Speaker

Kenneth Rogoff

Evidence Quote

When you say they’re just using real dollars, they don’t have real dollars to back those bank accounts. It can work, but you run into banking crises, you run into debt crises, and then when you’re dollarized, it’s hard to fight it.

Source

Kenneth RogoffConversations with Tyler
Created: 6/13/2026, 3:28:48 AM

My Notes

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