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Change them to US$ or Deutschmarks, invest them into all sorts of stock that were popping up - everyone got a one-time voucher with a nominal price of 10₽ that could have been used to privatize some property or could be used to buy stock in one or the other "company", most of which were pyramid schemes.

Then debt, loans, bank accounts.

Saving in a bank vs saving under a pillow (former burned up in 1998, latter burned up in 1991).

Even more, it was now legal to sell things at a profit, so you could earn money in more than two ways (job or steal) now.

Things like that - the entire "market economics" was black magic to most.




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