The concept is nothing new ..

if I want to borrow 100 dollars , a friend would lend me for free .. if I want a million dollars mortgage, I would end up paying 8 percent .. likewise ..

Which means a million dollars together are more precious than them as individual bills ..

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However, if you want to sell a big stash of scarce goods , price will crash .. so it's a catch 22 .. you can't get out .. your only path is forward..

On the other side are commodities.. you can buy as much as you want without moving much needle on price .. and you can sell as much as you want ..

The modern economy is based on commodities.. and to commoditize every possible good and service .. the goal is to make everything available to everyone..