Idan mita, gram da daƙiƙa sun kasance a tsaye, don me dala ke ci gaba da canzawa? Na farko ma'auni ne na ƙimar zahiri masu tsayayyiyar ma'ana, yayin da na ƙarshe ma'auni ne kawai na ƙarya, wato ana amfani da shi a matsayin ma'auni amma a yanzu babu wata ƙimar zahiri mai tsayayye da za a iya danganta shi da ita daidai. Amma tun da kuɗi a yanzu ba shi da goyon bayan wani abu mai tsayayye kuma zahiri ba, mutane masu hankali da yawa (don kada su rasa riba) suna ɓata lokacinsu suna bin rawar kasuwannin kuɗi. Maimakon ganin hakan a matsayin matsala, suna ganin dama ce ta samun ƙarin riba. Wasu suna samun riba ta hanyar hasashen motsi na gaba, yayin da wasu ke ƙoƙarin tsara rawar kanta. Kuɗi ko kudi ma'auni ne na daraja. A wata ma'ana, musayar kayan ko hidima da kuɗi ana kiranta 'farashi'. Abin lura shi ne cewa 'darajar musaya' ko 'daraja' kamar yadda aka saba kiranta, ita ce ma'aunin musayar wani abu da wani, kuma farashi don haka nau'i ne na musaya. Amma sabanin musayar abu da abu, yana yiwuwa farashin dukkan abubuwa su tashi ko su faɗi a lokaci guda. Saboda haka farashin wani abu guda ɗaya kawai daraja ce daga cikin darajojinsa. Idan kuɗi yana da ƙayyadaddiyar daraja dangane da wani abu mai tsayayye kuma zahiri (misali, naira 1 = gram 1 na zinariya), da lallai zai zama ma'auni, kamar mita ko daƙiƙa. Shekaru fiye da dubu ɗaya kuɗi yana bisa wani ma'auni (kamar ma'aunin zinariya), kuma ya ci gaba da zama matsakaicin musaya, don haka mafi yawan talakawa suna fahimtar kuɗi a matsayin ma'aunin darajar abubuwa. Amma wannan daidaitawa da wani abu mai tsayayye kuma zahiri ya daina aiki a rabin na ƙarshe na karni na 20, kuma tun daga lokacin aka fara ɗaukar kuɗi a matsayin abu kawai, wanda yake da daraja ta zato ko ta ɗan lokaci. Darajar zato ta kuɗi ba lallai ta dogara da ainihin ma'aunin musaya da sauran kayayyaki ko hidimomi ba; a zahiri, ta dogara ne kawai da ra'ayin mutane ko 'yan kasuwa.

If the metre, gram and second remain constant, why does the dollar keep changing? The former units are measures of stable physical quantities, while the latter is a pseudo-measure, i.e. it is used as a measure but currently no stable physical quantity can be correctly attributed to it. But as currency is currently not backed by something stable and tangible, significant numbers of bright people (not to lose out on the spoils) devote their time following the dance of the currency markets. Rather than considering it a problem, they see it as an opportunity to generate more profit. Some make profits by predicting the next move while some try to actually choreograph the dance itself. Currency or money is a unit of value. In other words, the exchange ratio of a product/service with money is called its ‘price’. It is noteworthy that the ‘value of exchange’ or ‘value’ as it is usually called, is the ratio of an exchange of one thing with another, and price therefore is a type of exchange. But unlike exchanges of one thing with another, it is possible that the prices of all things rise or fall at any one time. Hence the price of a thing is merely one of its values. If money had a fixed value in terms of something stable and tangible (for example 1 unit of money = 1g of gold), it would indeed be a measure, like the metre or the second. For more than a millennium money was based on some standard (like the gold standard) and it continued to be the medium of exchange, and hence for most ordinary people money is commonly understood to be a measure of the value of things. But that standardisation to something as stable and tangible, ceased to be the case in the latter part of the 20th century, and as such money came to be considered a mere object, which only has a notional or temporal value. The notional value of money may not necessarily be based on real exchange ratios with other commodities or services; in fact it came to be based merely on the perception of people or traders.

To haka ne farashi ko darajar kaya yake canjawa gwargwadon darajar kuɗi a zahiri, kuma wannan canjin yana iya zama fiye da muhimmancin ko amfanin kayan ko hidimar, ko kuma "darajar amfani." Abin takaici, haka ake ƙididdige darajar abubuwa a duniyar yau, don haka ba abin mamaki ba ne a ga darajar gidanka tana tashi da faɗuwa. Kuma tsawon fiye da ƙarni ɗaya ana ta magana a kan hawa da faɗuwar kasuwa aƙalla sau ɗaya kowace shekara goma, tsawon sama da shekaru 150.

So, the price or value of things fluctuates according to the notional value of money, as much or even more than the importance or benefit of the product or service, or the ‘value of benefit’. This is unfortunately how things are valued in today’s world – hence it is not surprising to find the value of your house rising and falling, and for over a century there has been talk about boom and bust at least once every decade for over 150 years.