
Okay, so this is a case of Fay and I giving each other ideas. Basically, something I was reading and telling her about made her think of how she does pacts with her deities, and then she got this thought about "divine money" that was pre-charged with attention (food of the gods), with their names on and such, to be redeemed later.
Thinking about that, I realized something. What I don't like about money is that cash money (and even the numbers in the bank) represents hours of one's life that one will never get back. These hours are deposited to employers, who get the most value out of the deal because the amount the workers get paid is highly disproportionate to the value of their labor, and/or the products they help to make. Thus, it's a lot like that one movie, "In Time," starring Justin Timberlake, wherein time is literally money. Granted, in the real world being given money doesn't let us live any longer in the strictest sense, but it does pay for food and lodgings... things that ought to be human rights, but I would digress if I went down that road right now.
So, basically, capitalism is a system by which a lot of people beg the folks in one circle of power to use them, spending hours of their days and labor to "buy" money, which is spent on other things. But again, the employers (users) get the lion's share of the value, getting rich when they sell their product or service at a greatly marked up rate. Now, if employee (the used) pay was only a little less than what the employer made, and working conditions were excellent (or as excellent as they can be, given the job type; some jobs are inherently more dangerous than others), and taxes actually paid for medical stuff, education, infrastructure, etc. instead of wars and tax breaks for wealthy dickheads, etc., then capitalism might be a good system. But capitalism is an inherently greedy system, and thus promotes greed, so it can never be a good system for long.
Now in state communism, the employers have been replaced entirely by the state. Which means that state communism is at least as bad as capitalism, and in many cases even worse. It tends to be a more unstable system, too.
So obviously the solution is simple: either change what money means, or abolish it altogether.
Changing what money means would entail some experimentation to find a meaning for money that is best for all involved. Instead of money being generated by "hours of my life doing something tedious," as it is for most people, money might be given its value by some other means. I don't have any suggestions right now.
Part of the reason I have no suggestions, is because I think the idea of money is outdated. With our current technology, and the rate of its advancement, if we don't kill ourselves off first or collapse our civilization back to the bronze age, then money will soon become obsolete. Technically, we already have the technology and infrastructure now to make both money AND government obsolete. The only obstacle to getting rid of government is all the people around the world (most of them in our own culture) whose thinking hasn't changed much at all since the bronze age. Most people still live in a world where they're convinced resources are scarce. It's only the people with certain knowledge, observation skills, and intelligence who realize that we could easily become a post-scarcity society in just a couple years if we all pitched in and also changed our thinking.
A large part of changing the thinking is expanding everyone's world. Most people don't think outside of their own little lives; they don't think globally, and they're too short sighted to recognize the dangers to our species, that we're doing to ourselves. So an expansion of the common wo/man's worldview is essential. It's already too late for most adults, so we need to focus on the children.
Anyway, in the end the point is, our current system doesn't work. Capitalism doesn't work, and replacing employers with the state (as in state communism) doesn't work either. So we either need to figure out a new monetary system with all new method of giving it its value, or scrap money altogether and go post-scarcity. We can do it already, and evolving technology just makes it easier and easier. The only thing in our way is our collective thinking.