Besides, demurrage is a natural phenomenon. If we sit on a truckload of apples to survive the winter, some of them go sour. We'd be better off trading some of the apples in the autumn to a contract that provides fresh food throughout the winter. It is usually good to imitate natural phenomenon, and value transfer system should be no exception.
Money
is "trading some apples in the autumn to a contract that provides fresh food throughout the winter".