The point of a medium of exchange (money) is to make it easy for there to be a coincidence of wants between people who might transact. It has nothing to do with whether you're a "good" or "bad" actor.
In a monetary society (as opposed to credit or barter (intermediary like you suggest) — monetary circuitist terminology), money is created as a debt/credit tuple to facilitate an intertemporal private contract (tit-for-tat), of which cash is a physical token representation. The etymology of “credit” is “faith”, “honor”, “merit” etc. That of debt, at least in some germanic languages (“schuld”) literally means “guilt” and has connotations of sin and atonement.