A Chump's Collateral

"Sir, would you like to convert your physical assets into the bank's?"

"No thank you, Nancy. I already have enough dollars in there being sent across the internet every which direction."

"So, why keep your coins here? Sure, we've counted them all, and used them as collateral leverage too, but why hold onto so many coins that aren't even gold or silver?"

"Gold holds its value, silver helps to trade the value, but the coins are more physical than this," he held out a bill in between his hands. "Sure, this claims to be more valuable, but is it really?"