Human interaction is, at its very core, a series of formal or informal credits and debits to others and is organized by rituals and rules that are tied to our evolutionary instincts, our earliest religions, and our earliest governing structures.

However, proponents of the credit theory of money tend to take their concept too far, often disregarding the importance of commodity money entirely, and generally painting too optimistic of a picture of a society's ability to govern a flexible, credit-based ledger at a large scale over long periods of time.

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