19 The Beginning of Money In the earliest stages of man's development he had no more need of money than animals have. He was content with very simple forms of shelter, made his own rough tools and weapons and could pro- vile food and clothing for himself and his family from natural materials around him. As he became more civilised, however, he began to want better shelter, more efficient tools and weapons, and inore mortable and more lasting clothing than could be provided by his own ncighbourhood or by the work of his own unskilled hands. For these things he had to turn to the skilled people such as smiths, leatherworkers or carpenters who were springing up every- where. It was then that the question of payment arose. At first he got what he wanted by a simple process of exchange The Smith who had not the time to look itter land or cattle v glad to take meat cr grain fro:m the farmer in exchange for an axc or a D18igh. But as more and more goods which had no fixed ex n ramp an the mark exchange becamc too complicated