What is commodity money and why isn't it as efficient as fiat money? Commodity money is _______. Commodity money is not as efficient as fiat money because _______. A. money with an intrinsic value; commodity money is easy to steal B. the name given to our coins; coins are bulkier than paper money C. made from gold; it requires a trip to the goldsmith every time you want to make a purchase D. from countries with no central bank; people disagree about its worth