Nothing has real or consistent value. Value is entirely human constructed. That’s exactly why again: in small trusted communities, you can easily develop your own currency or a work-trade system. The only thing stopping people is their desire for the “universal money” that they consistently overvalue (which creates a feedback loop - everyone wants money because everyone wants money). But the thing is few people actually want money itself, they just want what they think money will get them. In communities you can (and should) exchange goods and services for other goods and services instead (again, requiring mutual trust). My proposition isn’t outlandish either, economists etc. have talked about it too.

https://www.ijccr.net/article/view/9504/9190

https://en.wikipedia.org/wiki/Subjective_theory_of_value

I see this as a sort of a mandala actually. “THE MONEY” has expanded so much that it has little contact with the center - the people - anymore. It’s become more of a force of nature that we’ve lost control of on the level of the individual. Yes it provides limited structures but not enough to support. The solution is to start something new at the center, instead of pining after something that’s way out of reach at the outskirts (and eventually this new thing will also expand beyond the reach of the individual, prompting another new start and so on).