1. The evolution of market monetary institutions - 2. Commodity money - 3. Money issue by unrestricted banks - 4. The evolution and rationales of central banking - 5. Should government play a role in money? - 6. Should government play a role in banking? - 7. Seigniorage - 8. Central bank as bureaucracy - 9. Political business cycle hypotheses - 10. Discretion and dynamic inconsistency - 11. Monetary rules - 12. Competitive supply of fiat-type money - 13. Cashless competitive payments and legal restrictions