It's usually better to carry a convenient means of exchange that's nearly universally accepted. (The "gold-pressed latinum" IIRC from ST.)

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our human premise is that you don't believe that they will give you what you want just on a word (which is sick). and that 3rd party who issues the money won't fuck you up insted of the direct transaction party.

if it makes any sense.

I'l choose to be fucked up by a peer then overlord.

That makes some sense, yeah.