Money is both a measure of value and an IOU for your input into the economy. Sometimes money is considered a store of value but value is subjective based on our personal tastes which are based upon our means. Money is often created in the form of debt by either governments or banks borrowing money from central banks. This gives banks and governments an uncompetitive advantage with regards to their cost of borrowing. In an inflationary economy (A boom) the cost of goods may rise faster then the interest rate, and people who can borrow cheaper then this inflation are guaranteed to make money purely based upon their position in society rather then their contribution to the economy. While to some extend money needs to be controlled to avoid scams it does not need to be controlled by a single entity. Technology allows us to quickly exchange commodities at minimal cost. Consequently, it is not necessary for the government or central bank to be the sole issuer of money. Alternatively, consumers and companies could choose the currency that best suites them to do business. A currency can be created based on standard baskets of goods. Companies could borrow based on the currency that best matches the products in order to minimize the impact of market swing on the company. Reserves at these currency issuing institutions could be promissory notes buy produces for a given value of their product. The amount a company could borrow from the currency issuing institutions would be based upon the value of their production, the size of their assets, and their fiscal health.