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A fundamental point of The Philosophy of Money is that money brings personal freedom. The effect of freedom can be appreciated by considering the evolution of financial obligations. When a person is a slave, their whole person is subject to the master. Farmers have more freedom, but if they want to pay in kind, such as wheat or cattle, they must produce the commodity they need or exchange it at great loss or inconvenience. But when this obligation assumes a financial nature, the farmer is free to grow wheat or raise cattle or engage in other activities, as long as he pays the required taxes.

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