Jim,
I obviously should have amended that with it being one of the reasons. As you so clearly point out, we have simply grown far beyond the organic social contract within which we evolved. Yet given money is a general economic contract, between the individual and the community, it certainly needs its functions addressed, if we want to peel apart the situation.
As I just wrote an essay, trying to delve into the issue of where we might go from here, rather then trying to write a response along similar lines, I may as well add a link to that;
Hopefully this is working. The editor I submitted it to has accepted it, but hasn’t totally released it.