One Reason That near Monies Are Important Is Because

One reason that near monies are important is because

A) they simplify the definition of money and therefore the formulation of monetary policy.
B) they can be easily converted into money or vice versa, and thereby can influence the stability of the economy.
C) they do not reflect the level of consumer spending but they have a critical impact on saving and investment in the economy.
D) credit cards synchronize one's expenditures and income, thereby reducing the cash and checkable deposits one must hold.