That is exactly how goldsmiths felt .. the smallest unit ( a Ratti - equal to a small seed of lentil ) was created .. some five thousands years back .. full self custody, private , permission less .. exchange of value ( not store )

But then gold kept on increasing in value (:-

People started hoarding it instead of spending ... Because you want to let go only those things that diminish in value .. not the ones that are accretive...