pull down to refresh

I have often thought how can we make cash better. That bearer instrument that just is or is not. Could there be a round robin where it's validated as real and then the spend happens in real time by validation. A third layer?
I've also thought that maybe price discovery will change a lot of things. 21 sats in scarcity might settle a days wage if it later is 21,000 mSats for lodging, food, savings and entertainment.
Once deflation is factored into the 2.2 quintillion of mSats I think it's bearer instruments and settle when you don't trust it. Welcome back to the beginning.
Or is there a way that the number changes once it is settled and then it's a different spend?