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"when you're happy you enjoy the melody but, when you're broken you understand the lyrics".
But the goal is to have something when money is no longer a thing as we know it. The coinage has no value as far as its denomination, but represents a known quantity of silver at whatever the market price would be. Having a gold or silver bar would be like trying to move a lot of money at once on a single transaction. Better to have smaller amounts in larger quantity.
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It is terrible to contemplate how few politicians are hanged. - The Cleveland Press, March 1, 1921, GK Chesterton