The inventory of money solved one of the most critical problems related to financing and economy. Prior to the propagation of money,people were to "commute" and "exchange" products of same value.And, that was not an easy task to trade and fill the economic needs, tbh.

Just like you mentioned, there would have been harder tasks as to barter or make loans out of wealth and this society there would have been no existence of pragmatic capitalism - of which we see in the modern world this date.