The use of money causes a civilization to decline. That this is true is shown by the way the troubles of Western civilization began with the invention of money. While real money (gold and silver) is bad enough, imitation money (paper money) is a horror. The decline of Western civilization exactly parallels the increasing use of money -- both real money and worthless paper money -- as a substitute for things of intrinsic value. Which one of the following, if true, could contribute most to a refutation of the argument? ['Eastern cultures have used money, and Eastern civilizations have not declined.', "Some employers exchange goods for their employees' services in order to avoid the exchange of money.", 'People prefer using money to having a system in which goods are bartered for other goods of equal intrinsic value.', 'The rate of exchange between gold and paper money has fluctuated greatly in Western civilization.']