Good point, all I can say is I hope there comes a day where all humans beings care for one another, and where humans discards ignorance for a higher level of thinking.
That would require a lower level of thinking combined with suppression of individual identity.
Higher order thinking requires introspection that develops 'self' and one's individuality. This is what we call 'sentience.' Ultimately, a sentient being should be able to recognize the benefits of working with other sentient beings (and non-sentient beings) to achieve compatible goals and to communicate information that would be advantageous.
That said - any sentient being is going to have personal goals and motivations. The individuality that spawns from the higher order of thinking, itself, will not be so easily cast aside for the benefits of others. While most people will be quite willing to compromise on issues and to agree to a concept of fair trade/exchange... they will not, in the slightest, respond well to suppression of their individual self. It is, unfortunately, inevitable that individual goals and objectives will (even if inadvertently) lead to the suppression of other individuals.
Anyway - only small tribal systems can work on a system of shared wealth/productivity/ownership. The larger your population gets, the easier it is for individuals to exploit the trust of others and be merely a parasite to the system. Which is why larger societies and unfamiliar individuals use a bartering system. In this context, a person is a temporary part of the tribal community (where others are a constant influence and continual interaction/monitoring) and the person must offer a contribution the tribe finds acceptable for the requested goods/service. That is, often, a good or service that they do not often have access to (in the case of traveling merchants and people bearing news). In larger societies, it's often something of immediate need or of a secondary bartering value.
In order to standardize and make many of these transactions simpler, many governments coin a currency of exchange that its population can use for standard bartering purposes.
The currency often has little/no real value. Even 'backed' currencies are only 'backed' so far that silver and gold are perceived to have value. If there were a society on the planet that did not value the precious metals - then backing a currency with gold or silver would be no different than backing it with wood-chips, here. The bartering system requires that the individuals see the exchange being of equivalent value. You can tell me a kilogram of gold is worth 3 high-end computer systems all day - I could look you right in the eye and say that your gold was worthless to me and I'll only accept 25 bitcoins per system... and you look at me before saying: "WTF is a bitcoin?"
Though a currency backed by some finite resource (or that -is- a finite resource) is often preferable to one that merely says: "I am worth something! I came from a government-managed printing press!"