JH,
In some ways, we are still in the tail end of a hundreds year long process of transitioning from a direct precious metals based currency to a certificate of deposit(gold, grain, etc) based currency.
Now, rather than greasing the process of trading goods, etc, most trading, value wise, is of currencies themselves. I think this really got started after the seventies and was the real basis of Reaganomics. Volcker is credited with curing inflation by raising interest rates, but higher rates penalize those wishing to borrow money and reward those with money to lend. Since inflation is presumably due to excess money already in the system, this seems counter-intuitive, even though the higher rates were in part due to money being pulled back out of the economy by the Fed selling debt it bought to create the money in the first place.
Now ask yourself, wouldn't the Treasury issuing lots of new debt, as it was doing in the early 80's, have the same effect as the Fed selling debt, especially since the Treasury was issuing far more new debt than the Fed was selling?
It leads me to suspect inflation was largely cured with extra government debt, then higher rates. Especially since the higher rates went in by '78 and Volcker tried lowering them in 79-80, but inflation came back and it was only in '82, by which time the government was running a 200 billion dollar deficit.
So a lot of the economic growth of the past thirty years was fueled by increasing amounts of debt. Everything from wars to healthcare is being put on this tab. Is it because politicians have no spine, or because the bankers pay them to keep the public tab running? It is not as though this debt was the basis of all the growth, but it did provide a carrot for many people. So long as people just kept folding old debt into new debt, it works... The idea is how to get people motivated honestly and not with growing piles of ultimately unfulfillable promises.
Regards,
JM