Remarks on the direction of changes in the forms of money

The article analyses the evolution of forms of money, focusing on the transition from material to dematerialized forms, such as digital money. The author emphasizes that money is a system of organizing information about exchange, which has evolved towards “pure” information. New forms of money, such as cashless and digital money, are a natural result of this evolution, supported by the development of information technology and computerization. In the context of this evolution, the author positively reinterprets Gresham-Copernicus’s Law, which traditionally states that “bad money drives out good.” The author argues that this law actually reflects the process of dematerialization of money, where more efficient forms of exchange replace less efficient ones. Thus, the history of money is seen as a process of development, rather than degradation of the monetary system. The author proposes that true cashless money should be considered as one that has completely detached from its material form, although it may be expressed in current paper money units. Examples of such forms include artificial currency units like SDR or Trade Dollar, and other autonomous digital money systems. These forms of money differ in construction, scope, and motivation for their creation, but they share the absence of a physical form.