Current tax and regulatory rules disadvantage alternative money: capital gains tax applies to gold's rise in dollar price even when no real profit was made (i.e., the dollar merely fell), and money-transfer services—especially informal ones—face heavy post-9/11 restrictions, even though the 9/11 hijackers funded themselves through Western Union rather than unlicensed services; these options should be kept open so people can protect their wealth if the dollar gets out of hand.