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I' not going to ask you why are central banks holding gold if it not monetary asset, and why the word "money" on many languages, both in Europe (Latin) and in Asia, is the same as silver
from the top result below
https://andolfatto.blogspot.com/2011/02/is-gold-money.html
They promise to reverse the transaction if you are not happy
https://andolfatto.blogspot.com/2016/05/?m=1
(On the other hand, how do we know that banks will not hold riskier assets if they are equity financed
https://andolfatto.blogspot.com/2017/11/
This is consistent with what we would expect if inflation expectations are stable