By the early 1800s, most countries used precious metal, gold or silver, as collateral to ensure their currency. Most currency today is fiat, meaning it has no intrinsic worth, it's only as valuable as the government says it is.
No longer is it necessary to call on your cerebral faculties to solve problems, just ask Google. Young people carry their brains in their hands. Their intuitive functions dulled by the rapid assimilation of information provided by handheld brains.