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Bank 1 starts with $1000 in t-bills and $1000 in t-bonds (face value $1000)

The bonds lose 20% (for simplicity the t-bills gain 0%)

Bank 1 ends with $1000 in t-bills and $800 in t-bonds (face value $1000)

According to some people Bank 1 can say “I have $2000 it’s just that I don’t have them right now”

Bank 2 starts with $1800 in t-bills and $200 in NFTs

In the same period the NFTs lose 100%

Bank 2 still has $1800 in t-bills, sells $800 and buys $800 of those t-bonds which are trading at a 20% discount to par

Bank 2 ends with $1000 in t-bills and $800 in t-bonds (face value $1000)

Bank 1 and Bank 2 are in the same exact situation

Bank 1 can say “I have $2000 it’s just that I don’t have them right now” but Bank 2 cannot do the same?




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