A remarkably high percentage of commercial paper is paid off on time. Such instruments and their electronic substitutes have become the backbone of our commerce. Cash, once the unquestionable medium of exchange, has become suspect, requiring all manner of reports to the government if used in only moderate amounts. Do you feel that this shift has occurred because of the legal protections (such as those discussed in this chapter) provided those who take commercial paper in return for goods and services? Or is the shift grounded in an ethical basis? Write a paragraph answering this question and supporting your answer.