Usury and fiat are not the same. And yes, They had usury (interest) long before fiat.
Our planet, of which We own a share of the wealth, is vastly abundant. With automation, We can provide for 1,000 times the number here. And...
As long as We demand accounting for Our energy added in some fashion, 80% of Us are stuck pushing the gelt about.
Seriously, We do not need more that 5% of Us doing needed work, with automation of the non-creative work needed.
You say I do not address what You are saying, but it is You who fails to address the fact that most of Us do nothing needed outside of a system accounting for Our energy. You do not address that We have free energy that makes accounting for Ours pointless.
You cannot conceive that with basic needs met abundantly (and not toxified as the moneyed psychopaths in control on Our planet (by virtue of money) are delivering to Us as "food" these days), We can do what We love to do that helps the most, have planned obsolescence tossed for its provision of subpar quality, and be fully free to fulfill Our potential.
Believe Me, I have paid attention to Your claims, and they all hinge on material tokens - eggs to electronic bits - to ensure We all add Our "fair share" of energy into this psychopath-promoting system (all money systems will promote the psychopaths, They being willing to break the Laws of Ethics to get the most of the tokens being used to account for everyOne's energy added into a system).
You think that social currency is... Useless?
That no One does things for the thanks, the reputation, the appreciation, the attention They are paid. As if You need some token in this rich world to give Your work "validity?"
As if We need to keep People in wage slavery to provide a token to You for Your work when, once free energy is flowing and work automated, there will be plenty for All and You will be able to live as richly as You choose, earning accolades for the efforts You put out.
Seriously, having studied economics for 50+ years, having been in banking for 15 years, I have a clue how money affects society, creating poverty for most, and privilege for Few.