You go far enough on fiscal tracking and you just wind up back where we've always been: barter. All currency is as useful as the regime backing it, and when that regime falls, barter always comes back in. Everything else is just rent seeking scaffolding to reduce barter friction (cash let's me store all the value I've created, but so could gold bars, or bitcoin, or vodka).

This is to say: All currency is about control and convenience (you trade "invisible transaction" for "easily able to resolve payment") because those in power want to know/control the money and everyone else wants convenience.