This is the dilemma. So long as it is open to the individual to employ his wealth in hoarding or lending money, the alternative of purchasing actual capital assets cannot be rendered sufficiently attractive (especially to the man who does not manage the capital assets and know very little about them), except by organising markets wherein these assets can be easily realised for money.

Units redeemable in the use value of location, energy or knowledge  are both a form of investment, and an open-ended or undated form of credit.

Such Unitisation resolves the dilemma, because Units would be pretty widely acceptable in exchange, and essentially the outcome is the direct - rather than indirect, via an intermediary - monetisation of these forms of use value.

"The future is already here -- it's just not very evenly distributed" William Gibson