, I’d only done so because I didn’t have a choice, but for my parents to still consider that as a young child willfully leaping into danger wasn’t strange.Furthermore, having reincarnated, I don’t have much of the fundamental innocence a child should have.
It’s not like there wasn’t a chance of them running out of patience with me either.
“Well, she did say a visitor was coming, so maybe they’re just busy.”
If it was the me from my previous life, they might’ve distrusted me more, but because I had been born in this world, I have been blessed with both Julia-kaasan and Alfred-tousan’s trust and affection.
However, I need to consider what I can do for them henceforth.
“For the time being, let’s take a trip to the market.”
I could be treated by Cecil and Cecila in the Fairy Hamlet, but the fundamental amount of food required for fairies who wouldn’t die even if they didn’t eat, and humans, was completely different.
Let’s buy lunch at the marketplace and bring it with me.
After all, I received some spending money from Mum.
I rolled the copper coins I had received from Mum around in the palm of my hand.
It’s a little late now, but let’s recall how the currency of this world works.
Marquekt’s―No, more accurately, Santamana Kingdom’s—currency, as typical of the fantasy genre, consists of three varieties: gold coins, silver coins, and copper coins, with one hundred of each equating to the value of a single coin of the higher currency.
That said, since it’s a ha.s.sle to carry one hundred coins for each, there are large copper coins, large silver coins, and large gold coins that are all worth ten of their respective currency.
One copper coin is worth about ten yen from my previous world, so a large copper coin would be worth a hundred yen. Continuing this, it would be one thousand yen per silver coin, ten thousand yen per large silver coin, one hundred thousand yen per gold coin, and one million yen per large gold coin.
However, the coins must have the round seal of the kingdom’s mint bureau engraved on them, otherwise they can’t be exchanged, unless they’re entrusted to specialised money-exchange businesses.
Also, apparently money-exchange businesses have reduced exchange rates compared to regular currency.
This was to prevent the smelting down of money.
If smelting was approved then, since one large coin could be exchanged for 10 small coins, the quant.i.ty of metal used to make the coins would increase if smelted.
This was why a royal decree was established saying that coins without the round seal can’t be used, and that exchanging money has also become unfavourable.
What’s interesting is that apparently the large coins used to be close to ten times the size of the small coins at first, but they gradually shrunk with the years and now had roughly the same difference in size as a 100 yen coin and 500 yen coin from the j.a.pan of my previous life.
Hence, large coins could be said to be a conversion currency that could be exchanged for ten small coins, as a.s.sured by the country.
“Hmm… In that case, on all the copper coins―no, wouldn’t printing paper currency and applying a seal to them be better?
For example, an arrangement where a certain bill can be exchanged for one gold coin.”
I’ve asked Dad about this kind of thing before.
“Hmm, it certainly sounds fine in theory.
However, the paper would get dirty and torn, and would also be quite easy to counterfeit too, wouldn’t it?”
That certainly would happen, considering the technology level of this world.
Furthermore, because paper was originally an imported good and also has a high price in Santamana, paper would be more expensive than a single copper coin.
“In my previous life, the country would issue paper bills that a.s.sured their conversion to gold.
Thus, the issued paper bills could be lent out to financiers at low interest rates, in turn allowing the money to be lent out to merchants, and thus letting them produce a steady flow of money.
If conditions worsened, the interest rate could be lowered as compensation. It was even possible to control the prices of commodities.”
“…That appears to be a rather unreliable method though.
Wouldn’t it be a big problem if everyone with paper bills simultaneously wanted to exchange them for money?”
“It’s enough to manage the country soundly.
Well, even if that’s difficult, I think you should still be able to collect enough deposits to form a bank.
In this world, is there anyone who is entrusted with money, who then takes that money to invest in promising projects?”
“If I had to say, I suppose some of the gold craftsmen do that.
Thus, besides gold crafting, they’re also entrusted with gold and silver from the customers and issue deposit receipts.
Of course, the workshops employ strong guards such as former adventurers. The gold and silver is also stored in st.u.r.dy safeboxes that are under strict management and locked with several keys, and won’t even budge a bit to magic.
I’ve heard that deposit receipts, containing the same value as the amount of gold and silver deposited, are also used as an endorsed method of payment.
In the past, the merchants in Fauno City who became unable to pay the market tax were able to request the use of deposit receipts as a security for loans, or so I’ve discovered.”
“That’s probably a business with very good prospects.
It’s profitable, and I think it’s also a good encouragement for a new type of industry in one’s territory.”
I told Dad what I knew about banking and currency trading.
“Now that you mention it, it might be true.
I’ll discuss with Poporus-san, and perhaps let him give it a try?”
Poporus-san referred to the village chief of Trenadette Village, who also happens to be a former merchant and Steph’s father.
He said he wanted to settle down after he built a family, so Dad appointed him as the village chief of Trenadette Village out of grat.i.tude.
“Huh? But Poporus-san said that he wanted to be a direct retainer of Dad though?”
“Oh, is that so?
He did indeed settle down after forming a family, so perhaps he feels unsatisfied?”
“Hmm… It seems to me like he wants his family life to be more prosperous though.”
“That certainly might be true, but they’ve started the experimental cultivation of cotton in that village, so it’s gradually becoming more prosperous.
He might be saying that with self-awareness, or might be unconsciously desiring it for the sake of his family.”
It seems like he’s saying something very deep.
“Ed, it might be good if you remember this too.
Moreover, there are cases in which it is easier to understand from the point of view of an outsider.
Despite having given them their desired position, them being unsatisfied with the treatment and such unexpectedly does happen.
That said, we can’t disregard their wishes either, so it’s difficult.”
“How can we tell things like that?”
“That’s right…
The most important thing is to have an interest in the other party, I suppose.”
“Interest…”
“Yeah.
In that case, you’ll also come to know their desires.
“A feudal lord who takes an interest in their people will naturally have a good reign.”
If you do that, then you’ll naturally know what to do and will be able to heed their wishes without much conscious thought.”
As expected of Alfred-tousan, he gives significant advice.
I will gratefully bear in mind Dad’s advice.
Now, delicious smells came drifting my way when I arrived at the marketplace.
Holding the bag filled with food in my arms, I entered an unpopulated alley, then had Melby open up a gate and travelled to the Fairy Hamlet.