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Precious metals fill all of your requirements. They do have other challenges, some shared with FIAT, some unique, but we've had the "technology" to solve this problem for thousands of years.


Tell me, what weight in gold do I exchange for a loaf of bread? Do you have a way to measure and subdivide it to hand? Do you trust the scales being lent to execute this?


Check "valcambi combibar". Its a gold plate pre-divided into 1g pieces you can break away (like a chocolate bar).

1g is ~100 of money today, which would be enough for a weekly supply of groceries for a person in HCOL areas.


Additionally, one need not use gold; silver is easier to subdivide into manageable units for even smaller monetary values.




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