If they (and you) read up on what travelers, missionaries, & ethnographers actually witnessed & recorded of recently contacted cultures, you will find that SoV & medium of wealth transfer long preceded record-keeping. See https://twitter.com/NickSzabo4/status/954225789129469952 … & refs in the linked articles.https://twitter.com/mikejcasey/status/981141578285805569 …
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Yes. The natural unaided ability to form reliable trust relationships is limited to about 150 people (the Dunbar number). Archaeological record of preliterate societies records travel of collectibles, of kind later observed as SoV/MoWT, across territories of 10,000s of people.
These collectibles were, therefore, trust-minimized. Their transfer across so many groups of people that couldn't be reliably trusted couldn't have been based on unsecured credit. & the most common (shells & monetary metals) have the design characteristics of trust minimization.
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