Money is worth less than the face value because someone always pays to borrow it. At the start they pay a fee or continually pay now as 'interest'.

So money becomes worth less and less from beginning of 'buying' it AND less value as time goes on.

What money you hold is worth less than it says! (And getting less...)

The 'face' value (what's written on material) is changing in reality.
Physical numbers don't changing in your have and cheat you accordingly.

The average person doesn't realise money is leaking.
From their pocket, money is designed to be drawn by the centralised banks and government using fees and %'s they continually charge and change.

100 now, after becomes 60..50..40..20.. as time goes on!

% x time = less money

Indeed money is as 2-faced as the government and banks that allow it.
Because it's deliberate and deceptive to make you think 100 is 100.
In your hand is getting less and less !
When you look at the number but it's actually 50 after while and then even less.

This system (maths to depreciate) keeps Banks in power.

The power of fees and % added reduces the number of money you think you have.