The problem is that we are linear, goal oriented creatures in a cyclical, circular, feedback generated reality. So while markets need money to circulate, people see it as signal to extract and store.

The reality is that money is a social contract, enabling mass societies, not a commodity to mine from them.

We are trying to store a medium! Blood is a medium, fat is a store. Roads are a medium, parking lots are a store. We own money like we own the section of road we are using, or the air and water flowing though our bodies. Its functionality is in its fungibility. It functions as a public utility, like roads.

Storing the asset means generating debt, whether it's the younger generations piling it up, so older generations can have retirement accounts and the banks skim off the cream, or the government borrowing up trillions in excess investment money.

The fact is that there isn't the potential to individually save and invest what we need, but we do save for many of the same reasons, so the concept of the commons will eventually have to be resurrected and updated. Though only after this whole house of cards blows away.