The monetary system is what created the world as we know it. It made a simple way to measure how much wealth you have in comparison to other. The idea of having more than the other, greed fueled by self interest.
I wouldn't have it any other way
But what if how much wealth you have isn't based on how much you have produced vs. how much you have consumed, but also how close you are to the creation of money. For example, should a bank have first dibs at the money created in a monetary expansion by the Fed? So they either make a speculative play on it or lend it out at a higher rate and profit from the spread?
You have a company that has done with money, what UPS or FedEx does with a shipment. Take it from A and get it to B. Let's say this is a mortgage, and now you'll be paying an annuity for 25 years back to the bank, and they will make a spread on the interest, and they will profit from that.
Now take a farmer, that produces food, an actual good that all humans require. The profitability likely won't be as high as a bank, if profitable at all, and in fact they may require debt to survive.
Why doesn't the farmer have access to freshly printed Benjamin's from the Fed?
Then in the event that a bank speculates with the money, and loses the bet, like in 2008 when several banks were up for bankruptcy, why do they then get even more money given to them? When does the bankrupt farm get bailed out?
That is more a problem with this particular monetary system, rather than money in general.