So before there was currency, humans traded goods and services. People would assess the value of their worth and place it out in the marketplace so that others can do the same in turn. “You have milk, I have cookies- trade time” - " you have nothing to offer, you get nothing in return". Then commodities like gold and jewels entered into the equation – a value was put on them, ok I get it their shinny/pretty & there’s not a lot to go around. So how did we go from this simplicity to a complexity called credit? Is credit just another type of commodity, Yes, it's just not tangible. It capitalizes on known human weaknesses. It is not a very positive contribution to any sustainable economy- (thank you China for helping us out this time, well get your back next time..), but credit is part of the free market of today right? It can stay. At the end of this month I will be terminating my account with Pay Pal. Many, if not all my clients are exclusively using good ol’ cash (checks) to pay for my services. Why should I pay monthly + transaction %fee for an industry that makes enough on interest as is? OR DO what my other fellow small business owners do, work on TRADE…. I highly recommend it, because the components of TRADE is what true business relationships should be made up of- also when could the taxman grab a piece of Trade? If the dollar went flat tomorrow, all we have is trade. I just completed photographing quite a few projects for a highly skilled remodeling firm named Granite Bay Craftsmen and in turn have a new bathroom to enjoy. Thanks for the Trade!