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Back when coinage used to be made from precious metals like gold and silver, the value of the metal itself was used to guarantee the worth of the coin; some people didn't trust paper money, as inflation or war could quickly make it worthless.
These days, the idea has evolved into the idea of using money, including paper money, rather than a check or a credit card -- both of which have a higher risk of being fraudulent, or which can be more easily canceled after the sale. Money, once handed over, can't be taken back so easily.
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cold
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