No one, including the experts, asks that question about money . Maybe the answer is too obvious?
I do not think so. If everybody did know the answer the world would be a different place.
What is that question...?
In the good old days of the gold rush if you struck it lucky you could take the refined gold (bullion) to the mint and for a relatively small fee you could pocket the resulting money as a reward for your trouble and luck.
Those were the days when money had intrinsic value.
If course, rich people did not want to carry around bags of gold coins. So they hired a space in the in a gold smith's stong room and carried the goldsmith's receipt around as a proof that they had money and only need to get it back from the gold smiths.