No matter how you divide up the developing world - 'formal-informal', 'legal-extralegal' (my preference) - one thing is not debatable: most people are poor, on the outside of the system looking in, and getting angrier every day. The message of this book is it's time to stop talking and start designing reforms based on the informal practices and organizations that poor entrepreneurs already use. I second that motion. If you rebuild the system from the bottom-up, they will come, with their enterprise, creativity, and piles of potential capital.
—Hernando de Soto, President, Institute for Liberty and Democracy, Peru