But eventually you have this bearer note that you start passing around to spend to other people and they start to think of them as money and that's the origin of banking.

但是最终，你持有这个不记名票据,并且开始将其流传到,别人手中,然后他们开始将其视为金钱,这就是银行业的起源。

耶鲁公开课 - 金融市场课程节选