Problem is the majority of money is tied up overseas and in shit like the stock exchange, the insurance market, crazy real estate speculation and various other investments. If any decent portion of that gets leveraged back into material goods everyone trying to simply live is suddenly poor as fuck and starving to death. The value of money is based on so many assumptions it’s unsound.

Not that you’re wrong in practice, but there’s nothing at guaranteeing that practice is stable and people’s lives depend on that very stability.