Also known as Alds, Alpha-Taurans and Taurans (because their home star - Aldebaran - is located in the Earthling constellation "Taurus" as seen from Earth, and is officially designated as "α Taurus"), the Aldebarans are a moderately friendly race, passionate about money, monetary systems and their effects on Three-D and Four-D life forms, consciousness and (particularly) cultural development.
This passion borders on a racial obsession
The primary question they keep asking is simply stated: At what point in a culture's or species' development does money -- which usually has no intrinsic or material value in itself -- become a thing of value? Further, when does money become an object to be bought, sold or traded? And why do species, cultures and races become so attached to money, forgetting that money is not actually anything at all?
Careful observers at this point may notice that this is precisely the state of affairs on Earth right now, that Earthlings have moved from money as a simple medium of exchange, to a property sought after in its own right. The Earthling International Money Markets are an excellent example of "medium of exchange" being used and abused way beyond its purpose or capabilities, yet few Humans recognize any problem with the money markets. Why is this?
The Alds also are studying in great detail the current institution of "Debt Economy," which seems to have originated in the United States, probably during the early 1960's (common western calendar). This is a very peculiar situation where the ability to go into debt carries more "value" than any amount of actual cash a person or institute may actually possess. In many cases it even goes so far that a person who pays off his debts in full every billing cycle is considered a "dead beat" by the earthly financial institutions.
The Alds have reported some of their findings to date. They state that this "debt economy," while unusual and difficult for most visitors to Earth to understand, is not unique in their records, that they have observed other races and cultures on rare occasion who have developed a similar perversion of the economic concept.
They also project that at latest by the end of the current century (common western calendar, again), "money" in its present form will have totally vanished. There are three most likely outcomes, they project, but won't discuss them in any detail, as they do not wish to "damage the experiment" by offering details to the ETsOnly council, not all of whom have "pure" motives, naturally enough.
A few of the primal forces driving these changes are:
The Alds say ED Humans (Earthlings) are headed to one of three possibilities by century's end at the latest:
Stated another way, the three possiblities, respectively, are: Disaster, Cornucopia, or Post-Technological Feudalism. In short, per the Aldebarans projections, ED Human culture is about to change radically and probably forever. In fact, it must change, as the Earthlings are already way past the usual point of transformation in any exponential growth curve. The fact their economic and industrial systems have not already transformed (collapse-replace) is... interesting.
The Alds also admit that, complex systems being what they are, the "real" outcome will undoubtedly be something else. They are watching with great interest how things unfold on Earth right now.
Here at ETsOnly!, the Alds provide some basic banking and financial services, since they are well practiced in it anyway. All the usual associated services are available as well, and some Human type services (such as loans, credit, and other "debt economy" factors are also available, should you wish to experience them. Shipping on and off planet, delivery of good ordered, and Black Market connections are also available, total confidentiality, and so on, just as with any reputable higher level Earth bank.