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Finally, there is a clear break from the use of bronze in barter into its undebatable use as money because of lighter measures of bronze not intended to be used as anything other than coinage for transactions.The aes grave (heavy bronze) (or As) is the start of the use of coins in Rome, but not the oldest known example of metal coinage.Even more intellectually complicated than this example would be creating tokens that abstractly represented a claim on goods stored in a warehouse, and further still, creating metal tokens (which would require knowledge of mining & refining metal and creating coins) requires an even more evolved state of mind than any of these other examples.

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For example, a farmer has to find someone who not only wants the grain he produced but who could also offer something in return that the farmer wants.

Finding people to barter with is a time-consuming process and this factor is most likely the main driving force in the creation of monetary systems – people seeking a way to stop wasting their time looking for someone to barter with.

The Romans' use of bronze, while not among the more ancient examples is well documented, and it illustrates this transition clearly. This was a heavy weight of unmeasured bronze used in what was probably a barter system—the barter-ability of the bronze was related exclusively to its usefulness in blacksmithing and it was bartered with the intent of being turned into tools.

The next historical step was bronze in bars that had a 5-pound pre-measured weight (presumably to make barter easier and more fair), called "aes signatum" (signed bronze), which is where debate arises between if this is still the barter system or now a monetary system.

Schumpeter's theory had several themes but the most important of these involve the notions that money can be analyzed from the viewpoint of social accounting and that it is also firmly connected to the theory of value and price.