118 – Money (1)
As human civilization has developed, various cultures have emerged, and among these, there are some that stand out.
That is ‘money’. Broadly speaking, we can say it is the economy, and narrowly we can say it is money.
Money plays a big part in human civilization and has caused all kinds of accidents. See the Soviet Union without having to go far.
A superpower that divided the United States and the world through the rare ideology of communism. Although it reached its limits and was disbanded, it left a great mark on history.
In this way, human civilization plays such a big role that it is said that it is driven by money. This does not discriminate between eras and worlds.
The reason I say this is because a huge amount of capital is going to be in my hands in the future. The week passes quickly and the weekend approaches.
I decided to leave all auction and fee payments to Kara, but I plan to watch it myself.
It was an auction held at the academy, so you can’t beat it.
So, we plan to entrust it to the bank as soon as we win the bid.
“Now, Sivar. Let me teach you about the concept of money. Can you see this?”
Before starting the auction, I received training from Kara who came to the dormitory.
Other people, including Kara, don’t know that I know about money. You might think you only know the basics.
“This is a silver coin. It can be considered a reserve currency, that is, a common currency. The currency used by each country is different, and the amount that can be exchanged for this silver coin is also different.”
Kara said, showing me a silver coin. The silver coin depicts a man’s face.
It was probably modeled after the face of the hero who was said to have subdued the demon god. That’s from what I remember.
At that time, silver coins began to be used, and furthermore, the Academy was established.
It was originally used only in the academy, but over time it became a key currency.
“You can’t tell me about the exchange rate… Anyway, you can buy your favorite candy or cake with this. Since you’ve seen us buy it, you probably know what it’s like, right?”
“Yes. One silver coin per candy.”
“I remember it exactly.”
There is only one type of currency used in most games. Soul World also uses silver as its main currency.
Although each country has its own currency, the value of the silver coin itself does not decrease, and it can be used anywhere.
However, there are some places where efficiency is low due to exchange rate issues, and the price of silver may be destroyed during certain events.
I carry silver coins just because of their versatility, but they are not all-purpose. It is convenient to think of it like the US dollar.
Anyway, the more silver coins there are, the better. With this, non-combat occupations can also grow.
“The more silver coins, the better, but the number of people targeting them also increases proportionally. As I said last time, after the auction is over, all kinds of strange people will come in after hearing the rumors. If I’m around, I’ll block them in advance, but if I’m alone…”
Kara looked anxious, perhaps because she was worried that I might be scammed. Then she turned her gaze to my side.
Since we are talking in my dormitory, of course Rize is also there. In other words, she sent her gaze to Rize.
Rize opened her mouth with a unique smile, as if she had sensed the meaning contained in Kara’s gaze.
“I can’t always be by Brother Sivar’s side. It would be better to tell others about this.”
“Um… Then, just in case, if Sivar gets scammed, can you help me a little?”
“We will help you cut off the fraudster’s wrists.”
If it’s brutal, it’s very brutal. What the saint says is dangerous, but what Kwon Seong says is merciful.
Cheaters in the Middle Ages were often dealt with severely. In particular, counterfeiters will be put to death without any questions asked.
Anyway, if Rize has my strong back, it is not very likely that a fraudster will not be able to easily approach me.
“If I had to add, be suspicious of anyone who mentions me and says it’s not a scam. There are many people who commit fraud with the thought of never seeing it again.”
“Ah. I’ve experienced that too. It’s a shame that my father came to visit me right before it happened, otherwise I would have missed it.”
“How did you punish him?”
“I pulled out my tongue and sent it back.”
“You are merciful.”
Look at these bloody conversations. It’s even more absurd that the conversation continues so well.
Because these people had such a high reputation, all kinds of bugs must have been attracted to them. It must have been quite a struggle.
“Still, there are people who are really helpful, so it’s not that much of a headache. I was surprised to see that the person I told to get out of there later set up a large merchant.”
“The economy needs both insight and knowledge to run well. Kara students have both, so they will do well.”
“I don’t know, but it’s because Sivar is the problem. He seems to have an eye for people, but his knowledge is a bit…”
Hey. I understand everything now. I’m really worried, so I can’t say anything.
Furthermore, although they may not know, I also have knowledge. I already know the top companies or companies that have been confirmed as winners.
If you invest here, you can easily make money. However, the problem is that you have to do it secretly or persuade them.
Kara, in particular, is more likely to cause friction because she is sensitive to money issues.
‘Are we going to just leave it to the bank for the time being?’
In this world, there are countries where science is developed, and banking and finance industries are also developed.
So, it doesn’t matter if you leave it to the bank and collect the interest, but it takes too long to do so.
From the very beginning, even in Soul World, banks were a place to leave money safely, not to accrue interest.
“Once the auction is over, the money will be deposited into Kara’s student account, right?”
“First, I’m going to go to the bank. If Sivar’s account is established, I’ll put it in there, and if not, I’ll put it in my account, and so on.”
Of course, just because finance has developed doesn’t mean you can just open an account. On the contrary, it is extremely picky.
Basically, you need an ID card or something that can clearly guarantee your identity, and if you don’t have it, you can’t do it.
If anyone could have made it, the cannon account would have been passed around and used for crimes. People of the Middle Ages and early modern times were absolutely not stupid.
“Since you are a student at Sivardo Academy, it will not be difficult to create an account. There will be no change in the fact that a Kara student will have to manage it instead.”
“I can’t keep it forever. The priority is to somehow awaken economic concepts… It must be difficult, right?”
“It won’t be difficult if you provide eye-level education. With the help of Kara and Ellie, you will be fully enlightened.”
“Ah. Eli…”
Kara reacted somewhat nervously when Ellie was mentioned. She looks like she didn’t even think about it.
‘Ellie also doesn’t have a very good sense of economics…’
I’m not saying it’s a big expense. Only in areas related to herbs and potions does the use increase greatly.
Right now, she doesn’t have money, so she survives with herbs from her forest, but if she invests in her, she spends whatever she has.
Still, it is the No. 1 Investment target because it is achieving such tremendous growth. I also plan to invest in Ellie as soon as I get the money.
“It’s almost time for the auction to begin. Are you going to the bank first?”
“Yes. I’m going to open Sibar’s bank account first. You can teach him economic concepts gradually.”
As the time for the auction approached, she went outside with Kara. Where we are headed is the bank.
Tatar values his trade, so he is naturally sensitive to money. Accordingly, Hector introduced banking and finance.
Although he is a troublemaker in many ways, his abilities as a ruler are quite good. Otherwise, the country would have been destroyed long ago.
Thanks to this influence, Kara also knows a lot about banks. Beyond what she knows, she’s smart and she’s also good at investing.
‘I haven’t bought stocks yet.’
The reason she doesn’t trade stocks is simple. Because she hasn’t introduced it that far yet.
What she knows and what she uses are different. In fact, Tatar is just being introduced, so there are many shortcomings.
In particular, Kara, contrary to her reputation as a barbarian, is on the cautious side. She does not step forward without prior information.
“Let’s see… Your ID card is ready, and the information that you are an academy student will be entered, so there is no need to worry. Let’s go.”
“Yes.”
She didn’t go far and when she arrived at the bank, she checked again. The exterior of the bank is similar to what we are used to, except for the different construction materials.
A strange place that seems to fit in but doesn’t. The world is benefiting from a country with a developed scientific civilization.
Afterwards, while I was looking around the bank, Kara had a consultation with a bank teller. Of course, this is to open my account.
“Huh? Academy students can’t deposit more than 10,000 silver coins?”
“Yes. It’s because of the newly introduced regulations. There have been more cases of bank accounts opened by academy students being misused for crimes.”
But an unexpected problem occurred. Academy students cannot deposit more than 10,000 silver coins.
In the case of nobles, it doesn’t matter because the family provides a clear guarantee, but not for commoners. This is only possible after going through extremely difficult procedures.
Kara seemed to want to question her more, but she quickly gave up. She seemed to be doing it for the obvious reason of crime prevention.
“AC… Then, can I use my account?”
“Aren’t you from Tatar?”
“······So?”
Could it be that he was rejected because he is of Tatar ethnicity? Kara seemed to have similar thoughts as her expression hardened.
Afterwards, the guide looked around and spoke in a whisper so that only we could hear.
“The credit rating of people from Tatar is unclear, so the credit limit is very low. This is inevitable because the problems of the Tatar past are holding us back.”
“You’re not issuing government bonds, you’re an individual, right?”
“Considering your status…”
“Ah.”
It seems that she realized, albeit belatedly, that she was a Tatar princess. Completely unexpected problems emerged one after another.
Anyway, the maximum amount that can be deposited into Kara’s account is 500,000 silver coins. I realized how expensive Usk blade tusks are.
She ended up having trouble even setting up her account. Even Kara’s account, which she trusted, became difficult to deposit money into.
In reality, I have no choice but to increase my account limit. To do this, you must go through a complex process.
“The auction starts today… Is there no other way? People are gathering to cancel the application, so it’s ambiguous.”
“As I said earlier, you can bring an item or a witness that can clearly guarantee your identity.”
“Umm… Ah.”
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Suddenly a good idea occurred to me. I said to Kara, getting her nod.
“Wait a minute. I’ll go somewhere and come back.”
“Huh? Where?”
“I’ll know it when I see it.”
It should have been like this a long time ago. I walked out of the bank without delay.
About 10 minutes later, I brought the ‘witnesses’ as the banker said.
“I don’t use banks very often, so I didn’t know there was a rule like this.”
“I agree. I didn’t know you could become a KARA student.”
Rise and Lord. It is a woman of power and a sword saint.
The banker looked puzzled by the appearance of completely unexpected people. The reaction is complete disbelief.
“So, what happens to the account?”
“······Wait a minute. A little bit about the bank president…”
Certification is a nuisance, and if even this is not possible, it is discrimination.