Money is a necessary component of business transactions, as even in the absence of an established currency like the dollar, peso, or euro, minerals or animals used in exchanges are still required to have transactions at all. The form of a currency could vary even as its economic role would not. Regardless of its names, appearances, and exchange rates around the world, money is a major part of human civilization, yet one that is often coveted and pursued and practically worshipped as if it is the essence of the natural world. Indeed, I have heard the literal claim that money is "how the world works," with no distinction being recognized on the other person's part between the social "world" as separate from the physical world.
Money is constructed out of natural resources for the intentions and use of humans. It is in no way "how the world works" in any sense other than an economic one, which is already, other than logically truths about economics, nothing but a social construct. The matter of "the world" is a prerequisite to currency, and currency only even has its pragmatic function because of human needs and desires. Of course, nothing in the natural world or the human mind is the same as the necessary truths of logic, the space that holds matter, or the uncaused cause, which are the most foundational things of all reality. These truths and existents transcend a physical world, with logic governing the truth of its very possibility, but even within the physical world itself, money is not what determines the existence or behaviors of particles and objects.
No, these items would be what physically constitutes money. Certain kinds of people are so voluntarily blinded by the subjective appeal of money, the privileges and comfort associated with money, and the consumerist pursuit of possessions that they truly will overlook that even on the secondary level of physical metaphysics (though digital currencies like crypto are logically possible, they are not the same as, say, the dollar), money is not what makes the world go on. It does not; the matter of the world is a metaphysical prerequisite to currency, not the other way around. Without currency in the conventional sense or something physical to use as currency, like salt or cattle, there can be no business transactions, but this is not the same as the world not existing or continuing to function as it does.
Business, money, and physical possessions are in no way the core of human life or the external world, even as human life and the external world are themselves not the very heart of reality. Those I have heard say that money is how the world works did specifically insist that money is a more fundamental part of the physical activities on Earth more than scientific phenomena, which is of course backwards. Although plenty of people might not directly, literally believe this erroneous metaphysical framework, there are many who still act in part as if money truly is more supreme than the laws of logic, God, moral obligations, fellow humans and relationships with them, and the less important but still somewhat important natural world that allows for currency to be made in the first place. They wonder in an irrationalistic manner at the human construct of currency as if it is more than just a construct that, in itself, is created for mere practical ends.
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