"If you have more people, living closer together, and with more things that not everyone can just make, the situation comes up more," Vesherti tells him. "The average person living in the city runs into three to six situations like that every day, sometimes involving many more than three people. So we have a system for handling group trades smoothly called 'money'."
"The idea is to add something that everyone always wants — money. That way, any two people in a situation like that always have a trade they can make. So person a can trade money to person b for the seed. Then person b can trade money to person c for the ansible. Then person c can trade money to person a for dance lessons. They don't have to all meet up, or even all agree, in order for the group trade to work. And, once everybody is familiar with that idea, that actually gives them a reason to want money. People want money because it is easy to trade for things — if you have a little, you can trade it for what you need without lots of extra work, so it is convenient to have."
"We don't use the money system for everything, but it turns out to be pretty useful. For example, everybody on the planet wants the things you have to trade. But if they all tried to come talk to you individually, that would be inconvenient and overwhelming. So what happens is that they have traded some of us money in exchange for our time working with you and making things go smoothly, so that you will help us get Crafting, new seeds, and so on. That's why we're willing to get you a bunch of things and arrange the things you ask for — not just because you're interesting and because we want to be good hosts, but because the specific people who are having to do work for your visit are getting money for that work from everyone else, which we'll be able to use to trade for the things we want."
"So it's better for those of us who are working to make your visit nice, because we get the things we want by doing things we're good at and know how to do. And it's good for everybody else, because they each only need to trade a little bit of money for their share of whatever Crafted things we're able to get. And it's better for you because you can deal with only a few of us, instead of all of us, and you don't need to worry about being unfair, because we're making sure everything balances in the background. The idea doesn't work perfectly for everything, and there are more details, but that is the general idea. It works well enough to enable big, complicated group trades that would otherwise be hard to arrange."