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1. | parent_author | taskmaster4450le |
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parent_permlink | re-josediccus-svwz7 |
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author | jeanlucsr |
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permlink | re-taskmaster4450le-qioo94 |
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title | "" |
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body | "Very interesting insights @josediccus and @taskmaster4450le.
I can't speak specifically for Nigeria, but coming from an inflation country (1 USD = SRD 3.35 in 2010, 1 USD = SRD 7.5 in 2016, 1 USD = SRD 14 in 2020) there are several challenge to holding part of your wealth in USD.
- First, in this particular case, you earn less than one fourth of what you earned 10 years ago. So, the Western 50/30/20 spending line of thought either goes out the window, or the 20% of your income for savings is just 25% of what it was a decade ago.
- Getting USD is not really that easy. And once you get it, getting a bank account creates another threshold. As well as additional charge (bank fee) to actually deposit your US Dollars (and Euro's). Basically it's just a demotivating proces.
Then we get to the financial literacy aspect. Because people are desperate about getting wealth, and as hard work and saving don't get the same results as western countries, they move towards more risk. Really popular right now, blessing looms. And because of the low financial literacy (which is also a reason few people safe in USD), people are really prone to pyramid schemes. Not to speak of the gambling addictions.
To extend this to crypto, the lack of financial literacy hurts even more. If I tell you that the 3 most popular "crypto related organizations" in my country in the past 5 years have been:
- OneCoin
- Omnia
- DagCoin
I'm using heavy quotation marks, because we all know what those 3 organizations really are, but for the locals... that is what crypto represents, as it has been what has been heavily promoted the most. It's a shame and it makes it even harder to onboard others, because they can't differentiate between OneCoin/Dagcoin and actual Cryptocurrencies.
Full disclosure: Examples used are from Suriname, South America. But there are some similarities in cultures." |
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1. | voter | any123 |
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author | maarnio |
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permlink | crypto-contest-october-23-mil-k |
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weight | 10,000 |
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