The New Era (1) - The Obligation

Almost every action done in our lives is based upon our obligations; economic actions, trades, jobs, service, etc. In our lives, our obligations are achieved based upon our agreements and the agreements need credit. What about a new insight?

Our current currency is based upon money, fiat currency. This will have some side effects and a lot of shortcomings. Imagine a very talented but poor child somewhere with talent but must work to survive. To make a shelter or merely find food. Even if they could reach what they are talented for, it would be late and our world and the whole humanity loses a very important source of construction for a long time. This means we need to revise our definition of credit.