I believe that to ensure that any human design is flawless it needs to resemble the way nature tackles the same problem. E.g. if animals feel cold they migrate, whereas humans build houses and kill other animals for clothing. Now if only we could find out what polar bear's skin is made of, replicate the chemical composition and create something, that'd not only be bio degradable but more aligned with nature.
By this yardstick construct of money is obviously flawed chiefly because it makes you think you or your skill is worth more or less than other person's skill. If we have to align with nature, a tree is as much important or not to nature as is a creeper. Also, given the circumstances even a tree or creeper adapts and survives. Same is true of animals. Humans on the contrary need to feel important. Somehow we have linked survival instincts with ego. Ego leads to thinking of self-worth and that leads to invention of money and its distribution. Of course, since ego is a feeling so it can be said that people born with more ego are the ones who are highly insecure about their chances of survival in the world. Ergo, people needing/wanting/desiring more money inherently afraid of life itself.
Nature's focus is primarily to get you to do what you are born to do. Everything else is noise. Money or no money, you are born to do something. Because money is linked to a feeling, make that feeling of self worth strong by doing what you are born to do. Once this linkage is strong, ego need not come to play and money still falls into place.