The problem is that money is the social contract enabling mass societies to function, but we are taught it is a commodity to mine from society. Requiring ever more to be added and ever more metastatic methods of storing what has been extracted.
As a contract, the asset is backed by the debt, so to store the asset requires generating sufficient debt.
One way is squeezing the money flowing through the general economy, requring it to run on debt and draw the saved money back into circulation. This creates a centripetal effect, as positive feedback draws the asset to the center, while negative feedback pushes the debt to the edges. The result is somewhat analogous to the heart telling the hands and feet they don't need so much blood and should work harder for what they do get.
Which has gone on since the dawn of civilization. The Ancients devised debt jubillees to reset the process, but after a few centuries of colonialism and industrialization, we are only just reaching the end of that rope.
The other method is having the government as debtor of last resort. The capital markets couldn't function, without the government siphoning up trillions in surplus investment money. The wars are a burn pit, so more can be borrowed.
The functionality of money is its fungibility. We own it like we own the section of road we are using, or the air and water flowing through our bodies. It is a public utility. It's not our picture on it, we don't hold the copyrights and are not personally resposible for its value, as though it were our check.
We need to respect it more and desire it less.
The irony of our individualistic ethos is the resulting atomized socety is more easily controlled by government and harnessed by corporations and the banks. Networks matter as much as the nodes inhabiting them. Just ask the Afghanis.
It took over a century to get rid of private government and now private banking is having its own, "Let them eat cake." moment.