Are we actually talking about an "ideal world" here, or just an "ideal USA"? If the former's supposed to be the case then Sweden would probably already have gone for paper money around the date when it do so OTL anyway: With no significant gold or silver deposits in the country, and few reliably-in-demand exports in those days to bring in enough foreign currency instead, they'd had to resort to copper 'plate money' whose higher-denomination "coins" were slabs that weighed tens of pounds... I've seen some examples in the British Museum, and the largest ones were actually made with holes near the corners at one end so that the owners could pass lengths of rope through them and wear a pair of those "coins" as one might a pair of sandwich-boards!