Ruritania

Money in Ruritania emerges naturally. Coins used are chosen according to their saleability. Again, the model for emergence of money that Kenger proposes is completely applicable. Money is simply the generally accepted means of exchange that the traders in Ruritania agree on. Since there is no governmental intervention, coins production is not monopolized but private. Consequently, a private market for coin production leads to competition among different brands.

Banks evolve naturally out of people's demand for goods and their repetitive exchanges.