Deflation Against Inflation Making The Hard Choices
The current recession has opened many sleeping eyes and has compelled many
people to look back into the past for comparison and lessons from the
great depression. We are yet to accept the fact that the current situation
asks for more than just jobs and tightening our budgets. The world is now
viewing its worst deflation ever.
There is a lot of talk about why the US government chose deflation over
inflation to deal with the current financial situation. But first we have
to understand what these terms are really about.
Inflation and Deflation
Inflation is an increase in the supply of money and credit, while
deflation is a decrease in the supply of money and credit. Another way to
put it is that inflation or deflation is the increase or decrease in
availability of money and credit above or below that of a stable
population size of peak wage earners. That is, if there is an increase in
the population the availability of money would reduce and it would get
distributed among more people on the principle of average.
Cash and Credit
Another thing which needs to be explained is the difference between cash
and credit. These two terms are simply what we have earned through our
business or as a salary from our jobs and what we have from our banks
which we did not earn but have to pay back to a lending company (mostly a
bank) with an interest. Credit is good as long as it has growth and gives
you expansion in your business. That is if you take credit from a bank to
expand your productivity then paying interest is not that bad. But if the
credit is taken to improve your living standards then this is a non
productive spending and will eventually require to be paid out of your
income which has not increased due to this credit. The only thing that
this credit gave you was temporary increase in your spending capacity.
This in the longer run will affect your spending from out of your income
as a portion of it will have to be diverted towards its debt
servicing,.
The present scenario is exactly the same as mentioned above. The income is
the same but the spending population has increased, hereby distributing
the available money into more hands. The credit has already been exhausted
by the government and what are left behind are the debt payments. If more
credit is created then the there will be more debts to payback and the
value of currency will fall against the gold standards which means that
debt will automatic increase.
The Argument
The choices for the government were to choose between inflation (create
inflation by flooding the market with more credit and default debt
servicing) and deflation (deflate economy and clear the debt) in both the
cases the government and the US population has to see drastic economic
scenario but the one with lesser long term effects was deflation which
would result in a stronger currency eventually but after the blast effect
of this explosion is over.
