Nairobi, July 6 -- The economic disruption that has been visited upon Kenyans has shaken many. For the third consecutive month, many Kenyan households will be going without an income to pay rent, much less to service loans.

Lifestyles have been turned upside down and for some it feels a bit like Adam and Eve's hopeless exit out of a familiar paradise, and into an uncertain world as captured in John Milton's epic Paradise Lost.

Perhaps the only difference today is the world has the trifecta of government, commercial banks and the private sector which can save the country from its largest ever economic crisis. They will, however, need to collectively and urgently work to promote cash circulation.

Data from the Central Bank of Kenya (CBK) s...