Questions: In an economy such as ours, banks help us exchange goods and services for money or other financial assets. Because of this, they are considered a critical intermediary in what system?

The answer is the fourth one: payment.

Explanation for each option:

1. Financial: While banks are indeed part of the financial system, the question specifically asks about the system in which banks act as intermediaries for exchanging goods and services. The term "financial" is too broad and does not specifically address the intermediary role in transactions.

2. Economic: The economic system encompasses all activities related to the production, distribution, and consumption of goods and services. While banks are a part of the economic system, the question is more focused on the specific role of banks in facilitating exchanges.

3. Capital market system: This refers to the system where savings and investments are channeled between suppliers and those in need, typically involving securities like stocks and bonds. While banks participate in capital markets, this is not their primary role in the context of exchanging goods and services.

4. Payment: This is the correct answer. Banks are critical intermediaries in the payment system, which involves the transfer of money or financial assets to facilitate the exchange of goods and services. They provide the infrastructure and services necessary for transactions to occur efficiently and securely.

In summary, banks are considered a critical intermediary in the payment system because they facilitate the exchange of goods and services through the transfer of money or financial assets.