... issued currency land banks financial crisis 2007–8 shadow banking sector money economic orthodoxy legal institution John Locke fiscal value cash premium unit of account free-minting tax anticipation bank issued money capitalism Money has long played a central role in the character...

... communities or groups convergence theory fiscal value of money government generally individuals mode of payment resources Smith Adam stakeholder theory and stakeholders unit of account value England America colonial barter coins commodification gold gold coins silver silver coins commodity...