Humans have a natural tendency to seek efficiency and conserve energy where possible. This is often reflected in the way financial regulatory authorities approach their responsibilities. When given the option to perform their duties from the comfort of a desk, they may be inclined to do so, rather than exerting the additional effort required to physically investigate matters on-site.

Fiat currency, with its ability to be expanded through fractional reserve banking, has enabled this comfortable, desk-bound approach to regulation. However, this system has been criticized as a "cheat" created by bureaucrats to circumvent the constraints of sound money, such as gold.

The emergence of digital gold, represented by Bitcoin, is poised to disrupt this dynamic. As a sound digital money standard, Bitcoin has the potential to end the comfort and convenience afforded by fiat currency. 

This transition may lead to a gradual return to a more rigorous, hands-on approach to financial regulation, as the inherent limitations of fiat currency are exposed.