It makes a lot of sense for smaller communities to trade locally and first satisfy their needs with local products instead of buying from large corporations that produce in very far away. If the farmers have a direct connection to the customer it saves a lot for the farmer, he would otherwise have to pay to a middle man for transportation and selling. The best would be to trade directly for other products so you don't have to use money at all, switching now to your own money could lead to a lot of problems. The government will likely not accept citizens just having their own money, because every sale and transaction requires to pay taxes. How would the taxes be paid if people only have their own money? The government wouldn't except anything else than their own fiat money. This could likely lead to legal problems and people would be scarred to use your own money.