I note few simple things:

- when you exchange a certain amount of cash they are still the same amount after nth passages, when you pay with all common "e-payment" services well, likely at the nth passage you have much, much less due to money exchange fees;

- money are not richness. Money MUST BE just a unit of measure of various substrate, merchandise to use Marx terms. So money could only be exchanged counter goods, because they represent the value of goods, they can't be used alone to create more money, like fractional reserve or private central banks. In the end money could only be created by States paying with them people/companies with salaries, incentives, direct investments where the constrain are natural, human, industrial resources.

Essentially "public debt" it's a centuries old scam people still drink blindly and taxes until money are created as "public debt" in most cases, are just a mean to rob people richness till leaving all except the bank without nothing, sound like the 2030's Agenda "you'll own nothing"... When this happen it's time for a "great reset", a war typically... Does it ring a bell?

Taxes where money are created by the State to push people doing something are a means to redistribute richness to assure that those who do more earn more, otherwise there would be no point in working at all, but still avoid some with too much and others with too little that will break the society and actually we are exactly in a broken society, with some with really much and most with really too little. Yes, the social system is a complex system, so it's not Gaussian, it's hyperbolic, but like so at these levels does not work, there are not enough natural resources to continue this way.

What happen in nature when there are not enough natural resources? Well, many die, potentially till extinction.

The answer then? Distributism. An ancient economic theory, that ensure dynamism ensuring the interest for anyone to move and the possibility for most to decide where to go, because yes, from the old Francis Galton experiments few very skilled people gives better results than some not skilled people, but the near perfect result is the mean of ALL, skilled and unskilled, or the bazaar not the cathedral.