The focus in this book is the Internet, which the author agrees hold the potential for a re-personalization of economic relations. In this world, new means of exchange could be harnessed to the ends of a truer economic democracy. Money is the problem, but it is also the solution. The author offers his view on the interaction between money, capitalism and culture - now, in the future, and throughout history. This work is designed to challenge established views from all quarters of economic, political and social thought. The Memory Bank is money itself - especially now that the exchange of objects through money and the exchange of meanings through language are converging into a single network of communications. Money is becoming information and information is becoming money. In this world, the author reveals how new means of exchange can be harnessed to build a better future.