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Текст:
DIFFERENT KINDS OF MONEY
In prisoner-of-war camps, cigarettes served as money. In the 19th century money was mainly gold and silver coins. These are examples of commodity money, ordinary goods with industrial uses (gold) and consumption uses (cigarettes), which also serve as a medium of exchange. To use a commodity money, society must either cut back on other uses of that commodity or devote scarce resources to producing additional quantities of the commodity. But there are less expensive ways for society to produce money.
A token money is a means of payment whose value or purchasing power as money greatly exceeds its cost of production or value in uses other than as money.
A $10 note is worth far more as money than as a 3x6 inch piece of high-quality paper. Similarly, the monetary value of most coins exceeds the amount you would get by melting them down and selling off the metals they contain. By collectively agreeing to use token money, society economizes on the scarce resources required to produce money as a medium of exchange. Since the manufacturing rastoare tiny, why doesn't everyone make $10 notes?
The essential condition for the survival of token money is the restriction of the right to supply it. Private production is illegal.
Society enforces the use of token money by making it legal tender. The law says it must be accepted as a means of payment.
MONEY AND ITS FUNCTIONS
Although the crucial feature of money is its acceptance as the means of payment or medium of exchange, money has other functions. It serves as a standard of value, a unit of account, a store of value and as a standard of deferred payment. We discuss each of the functions of money in turn.

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By collectively agreeing to use token money, society economizes on the scarce resources required to produce money as a medium of exchange.To use a commodity money, society must either cut back on other uses of that commodity or devote scarce resources to producing additional quantities of the commodity. But there are less expensive ways for society to produce money.By collectively agreeing to use token money, society economizes on the scarce resources required to produce money as a medium of exchange.