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by Eddy_Viscosity2 215 days ago
This examples don't mean the dollars aren't fungible only that where they are stored can make them less accessible or subject to fees. Its like the difference between a gold nugget in your hand and one that's buried deep in the ground. The gold itself is inter-changeable, one nugget is worth the same as the other if side by side. Only one is in a more inaccessible location and you'd have to pay the cost of retrieving it. If you magically switched the two nuggets, the situation would be exactly the same from a value perspective.