This is a great summary. All value is future value and the only real way to 'store value' is to pump water uphill(or equivalent). I've tried to address amny of

This is a great summary. All value is future value and the only real way to 'store value' is to pump water uphill(or equivalent). I've tried to address amny of the authors points with http://Catallax.info http://Catallax.info -Rather than adding new ways to interact with the bank ledgers, change the power dynamics of who controls the ledgers Build on Bitcoin or etherium -Change who gets to issue money on those ledgers Everyone is a bank. -Change what it is redeemable for. I don't think changing the object is as important as changing incentives and giving people reasons to spend local. -Change the internal properties of money. We use demurrage. -Alter the financial institutions that dominate the standard money system. We offer quasi-government accounts and self elected taxation to find those.