> except as a pressure for me to demand you return the apple as soon as possible? What you describe is something like a promissory note, and doesn't really ca

> except as a pressure for me to demand you return the apple as soon as possible? What you describe is something like a promissory note, and doesn't really capture it. If you can trade that note to someone else for a box of framing nails, then you get to the crux of the issue. It's not pressure for you to ask for the the apple back soon, but to use it for something soon not just sit on it. The economists will tell you this pressure keeps the economy trucking along nicely. Of course, if it goes too far, you ruin peoples lives. Going to far in the other direction, also ruins lives.