相反，哈佛大学经济学家肯尼斯·罗格夫（Kenneth Rogoff）指出，成功的去货币化需要可执行的全面计划来增加金融包容和银行的使用。
On the contrary, as Harvard economist Kenneth Rogoff argues, successful demonetization requires a comprehensive and implementable plan to increase financial inclusion and use of banks.