If we're talking scientifically here, we all know thanks to the laws of thermodynamics that money is neither created nor destroyed, and is equally distributed towards a system in a process called entropy. Even in the metaphorical sense, you'll come to realize that money is not in any way comparable to energy, because at the very least energy when in an enclosed system is fair and shared whilst, money, needless to say, when kept in an enclosed system of people will end up in somebody else's hands while the rest are left in poverty, eating the crumbs of the 1 percenter who was able to conquer it all.

Also wouldn't bother to read the rest of your stuff since it doesn't seem to add up to your concept of money being something that you can compare to energy, so let's just wrap it up by saying that you're onto something, but that's something's a little wrong and skewed, money is money, money is not time, money is not energy or shit. Money is something that you gain by being smarter and more cunning than everyone else, let's face it. And if you're going by the fact that money is earned over time by being very healthy, or industrious what you're gonna end up with is a retirement plan that barely finances your shit when you're already 80+ years old.