“Money” actually includes various forms of payment—not just coins, bills, credit, and checks. This DataPost tutorial walks through the various types of payment that contribute to our notion of “money” in the United States.
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Williams, John C. 2013. "Cash is Dead! Long Live Cash!" FRBSF 2012 Annual Report (April).
Gerst, Jeremy and Daniel J. Wilson. 2011. "What's in Your Wallet? The Future of Cash." FRBSF Economic Letter 2011-33 (October 24).