Propensity to trade > markets > dol > skilled labor. Propensity to better > saving > capital accumulation > higher proportion of productive workers. Both chains lead to national wealth which then leads to commercial society. A commercial society is when we are all merchants and traders ; and everybody in commercial society has to become one. Very restricted ; doesn"t allow market increase. Unless each party in the agreement has something the other one wants, there won"t be any trading. Money is whatever everybody wants ; so if you do not have something any person wants, money allows that to happen. It must be able to be divided. Value is what you get out of it, the exchange is what you can get from it. Corn : the value of corn is eating it; the exchange is the money from it.