Not sure how you read that.

My point is that money functions as a social contract, accounting device and public utility, like roads.

It goes back to the point that societies grew too large for individuals to mentally keep track of the various obligations and favors they had with the other members, so methods were devised to keep track and this evolved through processes of mental reductionism to the point we now see it as a commodity.

A good author to read would be Michael Hudson. Here is an interview with him, from a couple of years ago, when his more recent book came out;

https://www.nakedcapitalism.com/2019/04/the-delphic-oracle-was-their-davos-a-four-part-interview-with-michael-hudson-about-his-forthcoming-book-the-collapse-of-antiquity-part-1.html

If you want to figure out how to solve the effects, you have to first understand the causes.