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Have you even read the article? They have different functions, as described.
Just tell me what you will use.
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The problem starts with your wording 'some kind of IOUs'. Imprecision is lethal in monetary economics.
On a positive note, your question shows that you are subconsciously aware that there are different kinds of IOU. Consider the specific kind of IOU for which you want to ask and you will get an answer.
Also, once you grok the difference you may not even even have to ask.
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So? What you are going to use to buy a beer? Or a car?
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So, you have not even read the article? But happily trolling away. Bye.
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I read it. Is that hard to answer this simple question?
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It says in the article: "Goats."
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