Some Argue That the Demand Curve for Money Is Unstable

Some argue that the demand curve for money is unstable and its position is difficult to predict. The main reason for this is

A) the banks' ability to create credit fluctuates depending on their liquidity ratio.
B) speculation over inflation, interest rates, exchange rates and the rate of growth of the economy.
C) that individuals do not behave in rational ways.
D) that consumer tastes change.