Any currency endorsed in kind, no matter the gold standard or the spirit stone standard, has the fatal flaw that the money supply cannot be adjusted independently, and it will inevitably detonate a financial crisis due to the imbalance between the supply and demand of money. However, the credit currency is not once and for all, and the problem is not the currency itself. Rather, it is rooted in the distribution problem of the comprehension society——Excerpt from the autobiography "The Eve of the Fourth Lingshi Financial Crisis" by Yang Lu, the fifth president of Lingshi Reserve Bank in Kyushu's comprehension circle