Money emerges organically as market participants converge on a commodity that is highly marketable, divisible, portable and durable. No need for a government there. For contract dispute resolution, common law emerges iteratively from case precedents and consensus among arbitrators, no need for a legislature. Central planning didn't work for the Soviets and roofing nails, and it's a testament to our resourcefulness that we still hobble by doing it for law and money and health care.