while it is true we have come up with ingenious ways to "obligate" money, these constructs have arisen from a want from consumers...a person in the US chooses t

while it is true we have come up with ingenious ways to "obligate" money, these constructs have arisen from a want from consumers...a person in the US chooses to sign up for a 30 year mortgage because he/she values owning a home. Venture Capitalists choose to obligate their money in risky startups in order to breath life into fringe ideas that may strike it big. Remembering that money is a proxy for wealth measurement the reality is that money simply is a median of exchanging wealth which people are choosing to use.