August le Blanc
If you have been paid for your labour and converted your labor to ... let's say Direct Deposit... The deposit is credits to your account which is Money of Account until you convert it into Money of exchange when you hit the atm..
It is all debt.. Money of exchange =cash = legal tender money of account = bill of exchange... or credits until you convert it to cold hard cash... which is Money of exchange. Dollars, drachmas, dineros, duestch marcs, francs, pounds....