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Lets say I had an apple, and you had an orange, and I wanted an orange, and you wanted an apple. We could trade, and both of us would end up happier than when we started. But now lets say I had an apple tree, and you had an orange tree, and the apples from the apple tree were ready, but the oranges wouldnt ripen for another month. I could give you an apple now, and you could promise to give me an orange in a month, when theyre ready, and both of us would end up happier than when we started. Although, maybe you didnt want an apple. Maybe you wanted a pear. But all I had to give was my apple, and I still wanted your orange. Well, maybe there was a third guy, a pear-laden guy, and he wanted an apple. So I give him my apple, he gives you his pear, and you promise to give me your orange in a month, and we all end up happier than when we started. But then maybe we start to trade bigger quantities and maybe we add more people with different fruits on different harvest schedules and may