09. Cryptocurrencies lack some of the key characteristics of money. They: b.) are not a commonly accepted means of exchange. c.) do not offer a stable store of value. d.) all of the above. 10. The three variables influencing the demand for money the most are: a.) population, extension of the social division of labor, and extension of the b.) population, the recurrence of the business cycle, an increase in the number of holidays in the calendar year. c.) population, the recurrence of the business cycle, and an extension of the float period during major holidays. d.) population, extension of the social division of labor, and electronic cash.