It is not to be understood, of course, that the purpose of banks is just to minimise the use of money; the real object of banks is to facilitate trade or exchange of commodities. Experience has shown that the more advanced the system of banking more goods change hands without actual use of money. The result is due primarily to the fact that the quantity of money available in the world has always been a very small part of the total value of trade; and money again is only an artificial standard for measuring the value of commodities. The moment the standard no longer acts as a measure then it loses its value as money; for instance, the possession of any amount of gold is of no use if that gold has no purchasing value. The more the ability to procure the desired goods the greater the value of money. Just as commodities have a measure by means of which they could be appraised and exchanged, so money has a measure by which it could be appraised and exchanged. The measure of commodities for instance, as bushels for wheat, bales for cotton, grains or ounces for silver and gold, need not necessarily be the same in all countries; but for the sake of convenience and national and international exchange, attempts have been made periodically, either to make the measures uniform or to establish a fixed ratio between the measure of one country and that of another. Similarly the measure of money is called standard and that also is not be same in all countries, although attempts are periodically made to establish a sort of fixed ratio between the standard of one country and that of another. The value of money is not only what it could procure in a certain country, but also in other parts of the world; naturally, therefore, allowing for necessities of local conditions, the differences are as much minimised as possible.