Economic theory provides the basis for making these types of choices, but the problems are complex and the average employee may not have developed the skills to formally evaluate the alternatives.
Like the experiences of the Asian crisis over a decade ago, for some economies these flows run the risk of pushing economies into very poor decisions of what to do with the surplus of capital. Capital pushed into uses where the returns are speculative and high will tend to result in inefficient use of capital and cause foreign currency liabilities that cannot be met.