So what did the third oarsman on the left of the trading vessel accomplish by himself? Nothing new about taking a share in a great project led by a lord or rich merchant. And there's nothing new about making products that go into value chains like from wool you spin thread, from threat you weave cloth, from cloth you tailor clothes. With eBay and big data we could probably do better without money now than ever before, simply by finding closed loops where person A wants what B has, B wants what C has and C wants what A has. Particularly if we set up timed contracts, like I give you ten sacks of flour now and I get a fresh bread a week for a year. It would still be extremely inconvenient though.
So many people here seem absurdly obsessed with what money is, when to the average wage earner it's just a convenient way to convert work into shelter, food, clothes, transport, entertainment and so on. That's what 90% use it for and 9 of the last 10% just want a stable value so they don't have to become investors or speculators in real world goods while they save up for their next big purchase. Yes, like gold. Money exists as a convenience because it is universally accepted, easily divided, instantly transferable, easy to transport and so on. It exists because it's a better deal than instantly trading my pay check for gold and trading it back one milligram at a time when I want a soda.
My investments are of course valued using currency but if the dollar crashes while the investment object stays the same it just means it'll be worth more expressed in dollars, which is exactly the opposite of what happens if you're holding dollars. And if the prices all move together then it's rather irrelevant, if gold prices and house prices both double it matters little when I want to sell my gold to buy a house. I guess the rest matters if you got billions to move and millions to earn, but for most people thousands to move and soda money to earn isn't worth the bother.