Households in emerging markets often can't access financial markets to manage their money. A study looked at how this affects the best way for a country to control its money supply. They found that when many people can't use banks, it's better for a country to focus on keeping the value of its money stable compared to other currencies. This helps stabilize the prices of goods people buy from other countries, making life more predictable for those who can't use banks. This goes against the idea that it's best to let the value of money change freely.