Having said that...

With these understandings, I think somewhat paper money has many possibilities of being over valued or devalued. reason being ; as it is valued on all products produce in a country or certain region, there is possibility of each product valued differently else where, even some probably devoid of value at all, which then should turn the valuation of certain currency of the paper money into a relative state, which should turn countries with 'outrageous' valuation of invaluable goods to having the worst currency value.

Secondly, in such system ideally the government should have somewhat authority on the goods being produced within the country, and strict policy on exchangable goods and their exchangeability, and also forbiding on usury (in broader terms, not just in a form of debt interest).

Thirdly, somewhat, this paper system is ideally applicable only in a strict authoritarian system where it is equiped with high authority in monitoring production and exchange activities.

And lastly, in such system, as money printed is accounted by the products produced, as some goods become less valuable along the time, so does the amount of money it represents, therefore to balance this, the system will create exchangeable goods with ever-increasing value (i.e : the space; land/house/office) which might need to be reconsidered as having the attribute of exchangability,  I mean the cost of land prepping, utillity integration, and expenses to build the building is the value, but isnt the patch of land should just be administer-able, hence non-monetize-able? Havent we then overvalued things a bit, or in turn, shouldnt this be accounted for possibility of the least valueble being valued alot ? hence, the consumption of inferior goods (i.e. the balancing of imbalance system)

In the end, Somewhat I tend to think that usury will only create fraudulant trade because there's no whatsoever true value added in the increment of price due to interest obligation, whether it is in a timely tradeoff exchange, or through interest-laden-finance scheme during the production and consumption. The amount of paper money itself is only the reflection of products produce, thus monetizing the availability of a paper currency (adding extra value to the availability of paper money) is in itself fraudulant, as it contains no whatsoever value, and providing it should be the authority of the government.

Thus when someone is holding up their money, they're only saving their wealth (power of exchange). Pursuing them to make their wealth available to others (lending) by adding extra 'wealth' as an exchange is in itself self-abusive, as in turn, they're only making their wealth less valuable. In other words, if a person do not want to bare of losing, he/she should not dare of adding. Alternatively, we should not be reluctant to risk our wealth as it is the proof that we belief that God has pre-determined Rizq for every one of us, and that we will never be left astray in anyway as long as we try to find it. God Knows Best.

Continue reading on some restrictive measures which I think should be made important

PS: Somewhat i'm highly interested to find and learn about the value of gold as an exchange and its effects being the sole legal mode of exchangeability. I've read few articles somewhere, and I hope to get more of the basic fulfillment of gold in the economy. Rabbii zidni 'ilma warzuqni fahma.