Money creates an enormous overhead for everything we do. So much extra labor has to go into a monetary system that no rational person would ever choose it willingly if they saw the true alternatives. Just the very creation of money is a significant overhead, and then enormous amount of effort to guard it, and create a system of punishments for anything that might devalue it.
It creates immediate forms of oppression, and inequality giving one person the ability to be heard over billions when it inevitably accumulates in fewer and fewer hands. It’s also tracked everywhere, and there’s large amounts of effort put into that monitoring. The money system rats on you and tells power how you spend your life. It divorces us from trusting each 
other and instead we trust the idea that people will do what we want for money because they are desperate or greedy for it. And desperation and greed are crap values for forming a society around.
It’s the chosen system by oligarchs because it is a tool of controlling other people’s lives by imposing desperation to keep people showing up at those jobs that primarily serve the upper class in some manner. It also is a kind of warfare where countries whose currency trades at a high value effectively enslaves those whose money is near worthless, oh and what a coincidence that the countries whose currency trades highest also have the most weapons.
Seems like we humans almost certainly have the capacity to devise a way to live without the overhead and oppression created out of a monetary system, but we’re not even allowed to try. We can invent nuclear weapons but are somehow are impossibly unable to be open and mature enough to work together without the use of money? Seems unlikely that this is the apex of our ability to create a loving society and the limit of our imagination.
A small amount of people who have far too much power benefit wildly from keeping things the way they are, and every successive generation is seduced into roles of power long ago consolidated. So things stay the same and nothing new is tried. And I’m not talking about communism or socialism, or any non-voluntary way of living under a social hierarchy. What I’m getting at is something actually new like local communities cooperatively working together voluntarily in a gift economy. But for the system to change there has to be a tipping point where enough people believe in our capacity to evolve socially and trust each other. It might never happen, or it might happen in five years, but it’ll take the people believing in themselves and willing see the current system for what it is.
