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Messages can contain any sort of data: content, a bearer certificate, etc.
Alice wants a New York City cab ride for which she's willing to pay 0, but she doesn't trust Bob the taxi driver to get her there on time if she pays up front.
A malicious borrower, with a good rating established under a previous name, can systematically profit at the expense of the lender, if the throw-away value is greater than the replacement cost.
To address this problem, creditors will have to charge higher rates to new credit names and raise credit limits more slowly than for traceable names.
Chargeback provides a crude but effective partial solution to the information asymmetry problem between retailers and consumers.
"Time release" money that becomes good only after a certain date, and "interval money", that would expire after a certain date have been proposed.
Commerce can be consummated by Alice tearing a 0 bill and giving half to Bob.
The ripped bill is similar to using the transfer agent as an escrow agent.