Seashells and Rai stones have been used as stores of value without any third party intervention. The only thing a currency needs is widespread community coordi

Seashells and Rai stones have been used as stores of value without any third party intervention. The only thing a currency needs is widespread community coordination. US Government forces this through taxes and bonds/lending, so our system is largely built on top of the dollar and a centralized bank. Other systems can be made however you wish. But solving the coordination problem is the fundamental issue.