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Money’s Mostly Digital, So Why Is Moving It So Hard?

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let's 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 let's say I had an apple tree and you had an orange tree and the apples from The Apple Tree were ready but the oranges wouldn't ripen for another month I could give you an apple now and you could promise to give me an orange in a month when they're ready and both of us would end up happier than when we started although maybe you didn't 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 maybe