When money went rogue: banking in 19th-century frontier America

当金钱脱缰:19世纪边疆美国的银行业

Behind the Money

2026-05-06

56 分钟
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单集简介 ...

In 19th-century America almost anyone could print their own money – and many did. One of the most notable figures to take this up was a man named James Brown, a charismatic conman who built a fortune producing fake banknotes. In this episode of The Story of Money, Stephen Mihm, a professor of history at the University of Georgia, introduces hosts Gillian Tett and Robin Wigglesworth to “the hardest working man in counterfeiting”. They discuss the parallels between banking in the Wild West and the advent of cryptocurrencies today, and the role trust plays in all financial systems.     Further reading: A Nation of Counterfeiters: Capitalists, Con Men, and the Making of the United States, by Stephen Mihm (2007)  The Square and Tower: Networks, Hierarchies and the Struggle for Global Power, by Niall Ferguson (2018) To enjoy future episodes, be sure to subscribe to The Story of Money wherever you get your podcasts, and also follow the show's dedicated YouTube channel here.  Learn more at ft.com/tsom   Hosts: Gillian Tett and Robin Wigglesworth Guest: Stephen Mihm Producer: Lulu Smyth Senior Producer: Michela Tindera and Laurence Knight Executive Producers: Flo Phillips and Manuela Saragosa Original music: Breen Turner Broadcast engineers: Bianca Wakeman and Petros Giuompasis Podcast Development: Laura Clarke FT Global Head of Audio: Cheryl Brumley Video editor: Kristen Kenyon at Podcast Discovery Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
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  • They would just come up with a plausible sounding name,

  • create a banknote that was beautiful and start issuing notes and people would accept them.

  • I mean, you know, what are you going to do?

  • Check every single note that comes across the store counter.

  • I mean, people tried, but it's kind of a fool's errand.

  • Today on the story of money.

  • Why can't we just print or issue our own money?

  • Well, in fact, people are.

  • Just think about cryptocurrencies.

  • But there was a point in history where actually pretty much anybody with a state banking license could in fact go

  • out and print a note in America and call it money.

  • And many did.

  • We're talking about the 19th century in America when the Federal Reserve, as we know it today, simply did not exist.

  • In fact, there wasn't even really a dollar.

  • And as a result, it was complete monetary chaos.

  • And there was also a time when people were creating money all over the place in a way that 's got a lot of lessons

  • for what we 're seeing today with digital currencies.

  • Yes, because amid all that 19th century monetary chaos, once upon a time in America, there was this.

  • Charismatic con man called James Brown.

  • And he was the hardest working man in counterfeiting.