Would you ever trade a dollar bill for three quarters? If not, can you at least imagine a scenario where you would? If it wasn’t for charity or goodwill, but an actual self-serving purpose? No? Well, try this one on. Maybe I’m driving my family in the station wagon cross country to Wally World and run into some unplanned misadventures along the way. Maybe I need to make up some time and drive through the night. I’m going to need an ice-cold Coke to keep rolling, so I stop at a rest stop and go to the vending machine. I only have one dollar bill but I also have one quarter. Stay with me, the analogy is only going to get worse from here.