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La Monnaie: Pourquoi un bout de papier, une pièce ou un chiffre sur un écran peut acheter du pain et parfois perdre la moitié de son pouvoir.
Paperback
Publisher: Independently Published
Published: Sep 3 2026
Pages: 170
Weight: 0.38
Height: 0.36 Width: 5.00 Depth: 8.00
Language: French
Un billet de 20 euros, 20 euros affichés sur un compte bancaire et 20 euros payés avec un téléphone donnent l'impression d'être exactement la même chose. Ils ne le sont pas. Les supports diffèrent, les émetteurs aussi, les risques également. Pourtant, tout le système monétaire travaille pour que ces trois formes restent échangeables comme si rien de tout cela n'avait d'importance. C'est précisément là que commence le problème, et accessoirement là que la tirelire cesse d'être un modèle économique acceptable.
Le Pigeon démonte d'abord ce qu'on appelle réellement monnaie. Unité de compte, moyen de paiement, réserve de valeur, billets, dépôts bancaires, monnaie centrale, monnaie électronique, agrégats M1, M2 et M3: chaque notion retrouve sa place. Puis le livre remonte l'histoire, des premiers systèmes de comptes aux pièces frappées, du papier-monnaie chinois à l'étalon-or, de Bretton Woods à l'euro, avant d'arriver à Bitcoin, aux stablecoins, à la tokenisation et au projet d'euro numérique.
Ensuite, on suit l'argent là où il devient vraiment intéressant: dans les bilans. Que devient ton dépôt bancaire ? Comment un crédit crée-t-il simultanément une créance et un dépôt ? Pourquoi le remboursement détruit-il le principal créé ? Que se passe-t-il lorsqu'un paiement traverse deux banques différentes ? À quoi servent les réserves auprès de la banque centrale ? Comment la BCE agit-elle sur les taux, la liquidité et les conditions monétaires ? Et pourquoi les banques créent de l'argent est une phrase correcte qui devient immédiatement fausse dès qu'on oublie de préciser quel argent, comment et sous quelles contraintes ?
Inflation, déflation, hyperinflation, dévaluation, taux de change, paniques bancaires, contrôles des capitaux, dollarisation, or, cash, stablecoins, crypto-actifs et souveraineté monétaire passent ensuite au broyeur. Le livre démonte aussi les classiques increvables: la vraie monnaie, ce sont les billets, mon argent dort à la banque, la BCE imprime toute la monnaie, une monnaie fiat n'est adossée à rien, plus de monnaie produit mécaniquement autant d'inflation ou l'euro numérique existe déjà . Coupure documentaire au 1er septembre 2026: l'objectif n'est pas de te faire mémoriser un lexique de banquier, mais de te donner huit questions simples pour analyser n'importe quelle promesse monétaire sans te faire hypnotiser par un chiffre sur un écran.
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