The article shows how countries with weak financial systems end up using U.S. dollars instead of their own currency. This happens because of loose rules on exchanging money and high levels of crime. The researchers used a mix of laws and crime theories to explain this. They found that when people lose trust in their own money, they start using dollars more. This can make it harder for governments to make money from printing their own currency. The study also looked at how this affects a country's economy as it grows. Ultimately, people's confidence in their own currency plays a big role in whether dollar use increases or decreases.