Looking at some old westerns where cowboys travel around or herd cattle for long distances, what did they do for money? Did someone carry a huge bag of cash/gold to pay for supplies, lodging when required etc?
Going back further to the like of Marco Polo and others in those times, did they carry around gold or just rely on the generosity of strangers? Hunt for their food?
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You underestimate banking system age.
Before banks become separate institutes their role ( as almost any role) was implemented by cherch. Those who had any possessions and wanted to trevel, sold their things came to chruch, exchanged money for vexel and then treveled to desired place. However in most cases they could obtain their possessions after caravan from origin church will arrive to destination church.
Most recent discoveries shows such system was used way before Christianity 3c bc and (presumably) often used for trevelers from roman empire to Egypt and vise versa ( at some point they joined their pantheons for alli8 purposes)
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