It's not a conspiracy theory - it's kinda-sorta true and is as intended.   Some say it's a good thing, others object.  In any event, askHN is probably not the best way to get a grip on it.   Perhaps, start here:<p><a href="http://en.wikipedia.org/wiki/Fiat_money" rel="nofollow">http://en.wikipedia.org/wiki/Fiat_money</a>