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      This can easily happen if governments print money without attention to the level of economic activity or counterfeiters are allowed to flourish. Perhaps the biggest criticism of paper money relates to the fact that its stability is highly dependent on

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the stability of the legal system backing the currency. State laws generally require insurance placed with surplus line agents and brokers to not be available through standard licensed insurers. Insurance companies are generally classified as either mutual or stock companies. In most cases, several months or even years pass between the supply of products on account and the start of respective bankruptcy proceedings. Legal, tax-related but also cultural aspects lead to a further distortion of the explanation, especially when compared on an international basis