What is a payments system if there were a decrease in the, Financial Management

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What is a payments system if there were a decrease in the

1. What is a payments system? If there were a decrease in the efficiency of the payments system, what would be the cost to the economy?

2. Why did governments begin issuing paper currency? Why was paper currency needed?

3. Is the United States likely to become a "cashless society"? Briefly explain.

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