Lokacin da aka aiwatar da ma'aunin zinariya a ko'ina cikin duniya, ba a samu wata matsala ba. Sai dai matsaloli sun taso ne lokacin da manyan kasashe suka zabi yakar abokan gābansu da kuɗi, ta hanyar kawo ma'aunin takardar kuɗi wadda ba a iya musayarta da zinariya ba (wadda dole ne a karɓa) tare da ma'aunin zinariya. Saboda haka, kasashen mulkin mallaka na Yamma suka kafa Asusun Ba da Lamuni na Duniya, kuma Amurka ta gabatar da dalar Amurka a matsayin tushen sabon ma'aunin kuɗi. Don haka, duk wata Ƙasa da ke aiki da ma'aunin zinariya za ta fuskanci wasu matsaloli da ke bukatar nazari domin warware su da shawo kansu. Wadannan matsaloli sun kasance kamar haka:

When the gold standard was applied throughout the whole world, it did not experience any problems. However, problems arose when the superpowers opted to fight their enemies using money, by introducing alongside the gold standard the non exchangeable (compulsory) paper money standard. For this reason, Western colonial powers established the International Monetary Fund, and the USA introduced the U.S. dollar as the basis for the new monetary standard. Hence, any State operating the gold standard would be faced by certain problems which need study in order to solve and overcome them. These problems are as follows:

1. Yawan tarin zinariya a cikin ƙasashen da matakin samar da kayansu, ikonsu na yin gogayya a cinikayyar waje, da ƙwarewar masana kimiyyarsu, ƙwararrunsu da masu masana'antunsu duk sun ƙaru. Wannan zai haifar da kwararar zinariya zuwa waɗannan ƙasashe, ko dai a matsayin farashin kayayyaki ko kuma a matsayin albashin ma'aikata, watau ƙwararru, masana kimiyya da masu masana'antu. Saboda haka, yawancin zinariyar da ake da ita a duniya za ta taru a waɗannan ƙasashe, lamarin da zai haifar da rashin daidaito a rabon zinariya tsakanin ƙasashe daban-daban. Haka kuma, hakan zai sa ƙasashe su takura wa canja wurin zinariya saboda fargabar rasa ajiyarsu, ta yadda cinikayyarsu ta waje za ta tsaya cik.

1. The concentration of gold in countries whose level of production, their ability to compete in foreign trade and the professionalism of their scientists, experts and industrialists have all increased. This would lead to the flow of gold into these countries either as a price for commodities or as salaries for the workforce i.e. experts, scientists and industrialists. Therefore, most of the existing reserves of gold world-wide would accumulate in these countries, causing an imbalance in the distribution of gold among various countries. This would also lead to countries restricting the transfer of gold for fear of losing their reserves, thus bringing their foreign trade to a grinding halt.

2. Zinariya na iya kwarara zuwa wasu ƙasashe saboda ciniki ya zama a cikin amfanin su. Amma waɗannan ƙasashe za su iya hana wannan zinariya ta yi tasiri a kasuwar cikin gida da kuma haifar da karuwar matakin farashi, ta hanyar cika kasuwa da adadi mai yawa na takardun bashi (bonds). Wannan na iya isa ya kai ga janyewar kuɗi daidai da zinariyar da suka karɓa, don haka waɗannan ƙasashe su riƙe zinariyar kuma su hana ta komawa ƙasar asali, wadda za ta sha wahala daga amfani da ma'aunin zinariya (gold standard) sakamakon haka.

2. Gold could flow into some countries due to the balance of trade being in their favour. However, these countries could prevent this gold from influencing the local market and from causing an increase in the level of prices by flooding the market with a large number of bonds. This could be sufficient to lead to a withdrawal of money equal to the gold they had received, thus such countries end up retaining the gold and preventing it from returning to the country of origin, which would suffer from the use of the gold standard as a result.

3. Yaɗuwar amfani da ma'aunin zinariya koyaushe yana da alaƙa da ra'ayin ƙwarewar ƙasashen duniya a fannoni daban-daban na samarwa da kuma cinikayya ta duniya marar shinge. Duk da haka, an sami wata karfafaffiyar dabi'a ta kare masana'antu da noma a waɗannan ƙasashe, wadda ta kai ga kafa shingayen haraji, ta haka ta tsayar da kayayyakin da ake fitarwa zuwa waɗannan ƙasashe tare da sa wahalar fitar da zinariya daga waɗannan ƙasashe. Saboda haka, cinikin ƙasar da ke aiki da ma'aunin zinariya zai sha wahala, domin idan kayayyakinta ba su isa kasuwannin sauran ƙasashe a farashin da ya dace ba, to ko dai za a tilasta mata rage farashin kayayyakinta sosai domin ta shawo kan haraji da iyakokin shigo da kaya, ko kuma ba za ta fitar da kayayyakinta tun farko ba, kuma a dukkan halayen biyu cinikinta zai sha wahala.

3. The widespread use of the gold standard has always been linked to the concept of international specialisation in various areas of production and to international free trade. However, a powerful tendency toward the protection of industry and agriculture in these countries has emerged, which has led to the introduction of tariff barriers, thus erecting an obstacle in the face of goods exported to these countries and making it difficult for the transferring of gold out of these countries. Therefore, the trade of the country that operates the gold standard would suffer, for if her goods did not reach other countries’ markets at the normal price, she would either be forced to reduce the level of her commodities’ prices further in order to overcome the tariffs and quotas or not export her goods in the first instance, and in both cases, her trade would suffer.

Waɗannan su ne manyan matsalolin da daidaitaccen zinariya (gold standard) zai iya fuskanta idan ƙasa ɗaya ko ƙasashe da dama suka aiwatar da shi. Hanyar shawo kan irin waɗannan matsaloli ita ce a karɓi manufar dogaro da kai (self-sufficiency), a sa albashin ma'aikata ya dogara da aiki da sakamakonsa maimakon a kimanta shi bisa farashin kayayyakin da suke samarwa ko ƙera, ko kuma matsayin rayuwarsu. Haka kuma, ba a kamata a ɗauki hannun jari da takardun basussukan gwamnati a matsayin kayayyakin da daidaikun mutane suke mallaka ba, sannan kada a dogara sosai kan fitar da kayayyaki zuwa waje a matsayin hanyar bunƙasa arziki. Ya kamata ƙasa ta nemi samar da arzikinta a cikin iyakokinta, ba tare da fitar da kayayyakinta da hidimominta zuwa ƙasashen waje ba, wanda hakan zai taimaka mata ta kawar da shingayen kasuwanci da sauran ƙasashe ke ɗorawa. Da zarar ƙasa ta karɓi irin wannan manufa, ba za ta ji tsoron daidaitaccen zinariya ba; maimakon haka za ta amfana da dukkan fa'idodinsa, ta guje wa dukkan illolinsa, kuma ba za ta fuskanci koma-baya daga gare shi ba. Akasin haka, hakan zai kasance cikin maslahar ta. Don haka, wajibi ne ta bi tsarin zinariya da azurfa kaɗai, ba tare da wani tsarin ba.

These are the main difficulties which the gold standard could face if operated by a single country or several countries. The way to overcome such difficulties would be to adopt a policy of self-sufficiency and to make workers’ salaries performance-related rather than estimated in relation to the price of the commodities they produce or manufacture, or their standard of living. Also no consideration should be paid to shares and government bonds as commodities owned by individuals, and there should be no over-reliance on exports as a source of developing wealth. A country should rather aim at generating her wealth within her own boundaries without having to export her goods and services abroad, which would help her do away with trade barriers imposed by other countries. Once a country adopts such a policy, she would have nothing to fear from the gold standard, and instead would reap all its benefits, avoid all its disadvantages and not suffer any setback from it at all. On the contrary, it would be in her interest. So it is inevitable for her to follow the gold and silver standard to the exclusion of all other standards.