~snip~
Since money is accepted as a store of value, trade is much more efficient.When an individual or business accepts money in exchange for a goods and services, the seller can store the money in a bank account and retrieve it later in the future.
Good luck with your money, personally I will choose gold over fiat as the best option. Unlike fiat which will be under the pressure of inflation, gold will protect our money from inflation in long term that's why when there are many negative about a country like a war, bank collapse, etc. people will tend to move their fiat money to gold or other instruments.