Final answer:
d) Divisibility. Bartering lacks the ability of divisibility, which money has through the use of quarters, dimes, and nickels.
Step-by-step explanation:
In the context of the question, the characteristic that money has but bartering lacks is divisibility. Divisibility refers to the ability to break down money into smaller units to make smaller transactions. Money, such as quarters, dimes, and nickels, can be divided into smaller denominations to make purchases of varying amounts. This makes it convenient for both buyers and sellers to conduct transactions of different sizes.