#[57] The closest electronic solution to the merchant-issued decentralized credit notes I've seen is Pear Credit, which is blockchain-free like Nostr and doesn't require maintenance or fees because they're not trying to maintain a single authoritative global state like Bitcoin. Free audio book "Debt: The First 5000 Years" by David Graeber here. A study of how people akshully traded before centrally issued brand name currencies, like USD or Bitcoin. http://www.radio4all.net/index.php/program/64160