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First off... The money we use in the USA has value. It is backed by the gold kept in Fort Knox. As for other countries... I have no clue.
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The Gold Standard stopped in '73 during the Nixon administration, which MrSelfDestruct has so studiously pointed out. Our money has value simply because our government has said it has value. It's called 'fiat money' and the only way you're going to trade it for gold at Fort Knox is to write a threatening letter on the back of your dollar, give it to a guard, and hope for the best.
So, she uses racial slang. What is the big deal. If it offends you or people you care about, kindly tell her to clear her lexicon of such language or keep her yap shut while she's around. Other than that, there's really not much you can do. She's a big girl; she has to make her own decisions.
All you can do is state your position and your opinion in a calm rational manner and hope she picks up on the seriousness of the topic. Eventually, she'll run into someone who won't be as calm and rational about her choice of words. While that is a terrifying thought, you can't worry of blame yourself.
If an idiot is willing to take a nap on the track, an idiot deserves to be run over by the train.