[mynaflzak]

Second, the apple farmer would take his produce, fresh, cold stored or dried to the store and exchange it for money, just as the hunter would take his venison to the store to be converted to money as well. No debt. No credit. Just fair exchange.

In this case the money is based off of the credit of the government instead of the individuals. "If you don't hold it, you don't own it"....if you trade it for paper then you are entrusting someone else to hold it and the note is trusted to be redeemable for the object.