No Days you do NOT understand money better than anyone here. You STILL have not answered my basic question as to what sort of value money stores. Your fundamental flaw in "understanding" money is that you really don't understand what "value" is. As to calling you just a loan salesman - that's not Gabriel, that's me. And you have not shown yourself to know much beyond the relatively straightforward processes of loan selling/closing. Yes you posted in Moneybox... and it was just as misguided on the subject of money there as it is here. I minored in Econ under a prof that was involved in some of the early work in the subfield of micro-econ that eventually became Behavioural Econ thanks to the work of Kahneman. So try again... what is the value that money stores? this is an important question as it is at the root of all the confusion you seem to have.