Do you know whether this job will work or not? Money doesn't exist, it's just an imagination.

Everyone thinks that money is a good thing and everyone wants to have enough money. But why don't people expect many newspapers? Why don't you want to have a lot of rubbish? You know, paper money is just a piece of paper, and coins are just a small piece of alloy. Why are paper and alloys so pleasing?

- 0 1 -? Where did the money come from?

In primitive society, every tribe was self-sufficient. They hunted if they wanted to eat meat, picked if they wanted to eat fruit and dressed themselves, so life at that time didn't need money at all.

Things changed in the farming era. Zhang Sanjia's land can only grow rice, but he just wants to eat corn. Li Sijia's land can only grow corn, but he just wants to eat rice. Both of them are upset because they can't eat their favorite food. Until one day, they met and told each other their wishes. Then, Zhang San exchanged 1 bag of rice for Li Si's 1 bag of corn, and the two went home happily.

When the villagers heard about their practice, they were very happy and followed suit. Some people carried a sheep for five bags of apples, some people exchanged a handmade necklace for two steamed buns, and some people cut someone else's hair for a meal ... Through barter, the villagers got what they wanted from others.

The barter exchange is developing continuously, and its scale is getting bigger and bigger, and there are more and more kinds. Sometimes you have to carry 100 sheep to change, and sometimes you have to carry hundreds of bags of rice to change, which is really too much trouble. As a result, people found exchange intermediaries, such as shells, skins, beads and so on. And people gave this exchange intermediary a name-money. In the movie The Shawshank Redemption, prisoners exchange cigarettes, and cigarettes are money in prison.

- 02 -? The essence of money

The value of money only exists in our imagination. Money is not a material reality, but a psychological imagination.

As we mentioned just now, money is the medium of exchange. In fact, anything can be used as an intermediary for exchange, but one prerequisite must be met: everyone must believe that it is money. "Trust" is the real raw material of money.

Everyone in the village thinks that shells can be used as an intermediary for exchange. When Zhang San handed him his 1 bag of rice, the other party only gave him five shells. Shells can't make people feel full like rice, but Zhang San readily accepted the exchange, just because he believed that the shells in his hand could be exchanged for corn or other things he wanted to eat.

In the farming era, villagers believed that shells could be exchanged for all kinds of things they needed, so shells were money. Today, we don't believe that shells can be exchanged for corn, so shells are no longer money. The shell itself is still a shell, and there is no change, just from "money" to "shell". When we no longer believe that RMB, US dollar and Euro are convertible, they become red and green pieces of paper.

Money is the most common and effective system of mutual trust in history.

People of different nationalities, languages, colors and regions all believe in money. So, you can use money to let American companies give you an Apple phone, you can use money to let Japanese restaurants give you sushi, and you can use money to let Korean cosmetics stores give you lipstick. You are strangers, but you quickly reached a cooperation through money, and money established trust between strangers.

- 03 -? There is no money, only imagination.

For example.

A is a successful entrepreneur with an income of 6.5438+0 million yuan. He deposited 6,543,800 yuan in cash in the bank. Then, the bank put 6,543,800 yuan in cash into the safe.

As for me, I want to open a bookstore, but I have no money. So, I applied for a loan of 6,543,800 yuan from the bank, and the bank agreed to lend it to me, and transferred 6,543,800 yuan to my bank account.

After I got the money, I immediately bought enough books from bookseller B, and the price was 6.5438+0 million yuan, so I transferred 6.5438+0 million yuan to him.

Bookseller B was very happy and deposited the 6.5438+0 million yuan he earned in the bank. As a result, there are 2 million in the bank account now, but the 1 10,000 cash in its safe has never been touched! There is1000000 in its account. Where did it come from?

There is no violation of laws and regulations in the above process, but the bank did add 1 10,000 yuan. Is this a bank scam?

The crux of the problem lies in the bank. The bank thinks that my bookstore can be profitable and I can pay off the loan with interest, so it agrees to lend me 1 10,000. After I paid back 6,543,800 yuan to the bank, if entrepreneur A wants to take his money and bookseller B wants to take his money, then the bank can give the original 6,543,800 yuan in the safe and the loan I paid back to these two people respectively.

The whole operation process depends on an imaginary future: the bank believes that my bookstore can make a profit and I can pay off the loan. Entrepreneur A and bookseller B both believe that the bank will return the money to them when they withdraw it. You have to remember that these are just imaginations, an imagination that everyone believes in.

If the bank doesn't believe me, it won't lend me money, and I have no money to open a bookstore. Without a bookstore, I can't make money, and bookseller B can't make my money. If the whole society does this, the world economy will freeze.

It is not until people have confidence in the future that the concept of "credit" of money comes into being, so that we can advance the future and build the present.

Therefore, money does not exist at all, but an imagination that everyone believes. When trust collapses, the world of money no longer exists.