

Frequently, yes. Intrinsically, no.
As a typical consumer, I don’t want the hassle of buying freight quantities of most of my daily needs. Many producers don’t want to sell less than freight quantities of their goods. A grocery store doesn’t create any value, but fulfills an inefficiency between producers and consumers.
Seriously?
What idiot thought it would take a trillion years for the US to rack up $37 in debt?