We can't eat, drink or use money as shelter. It's with food, liquids or bricks that we can do that.

There was an argument to be made during the start 1900 about "availability" (liquidity) of money. That's all gone in the past.

Money is just an account system, and it's all just numbers in a computer database.

We can't eat numbers.

Technology made money extremely available. That also made it extremely fragile.

The best system we have so far is to have a "free market" of currencies, banks, and customers. The three of them together via trial and error decide what's best. And during that process, mistakes will be made.