Crypto Bubble

When the gas station employee, your neighbours and your relatives talk about their housing investments, you know there's a bubble (R. Shiller words about the housing bubble). So why we don't see the crypto bubble bursting even when my 12 years old cousin is buying Dogecoins?

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I don’t think you understand the housing bubble.  There was financial contagion in the housing bubble due to easy access to credit, the same cannot be said for the crypto phenomenon. People were flush with cash for a long period due to government stimulus and therefore bought riskier assets, i.e. crypto. Most of crypto has not been bought on credit a la 2008, and therefore if the price craps out what happens? Do people lose money? Yes. Are they forced to declare bankruptcy because they have debts they can no longer service? In large part no. Are there then securitized asset classes like MBS, that pension funds buy that will go to 0? No. So is this even comparable? No.

 

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