https://old.reddit.com/r/AnCapCopyPasta/comments/lxu2gm/even_if_real_communism_were_possible_it_would/
This subreddit is hilariously bad. One important takeaway is that calling them "anarcho"-capitalists really fucking bothers them, so definitely keep doing that. Another one is that I noticed that I have the subreddit's founder tagged as a /r/c**ntown user, and apparently they were banned at some point. I have to wonder why.
Isn't money just a formalized way of tracking debt anyway? Literally cash even these days is a piece of paper saying the government will make good on it. Distributed money specifically requires this assurance, which definitely requires government. Or it could be private money, like gift cards, but that won't take off because it's unreliable.
I'd have to brush off my copy of Debt: The First 5000 Years, but as I recall a lot of it focused on evidence that pre-capitalist exchange usually did not give rise to a currency economy.