On the other hand, if your local grocery wants to sell bananas for $1.00 a pound tomorrow (because the have no banana today), but you want to pay $1.50 but you need them now (because you have a party), then someone with a scooter and a nearby warehouse can go and find some bananas for you (at $1.50) and replenish the banana stock tomorrow (at $1.00). Probably this business will not work with bananas, because bananas rote, the fuel cost and the time someone has to sit in front of the groceries. It's easier to implement with stocks and bonds.