In an economy that defines itself by a high degree of the division of labor, where people no longer gather their own food and are dependent on the cooperation of other people, being excluded from the division of labor is the same as ending their ability to participate in society. They must now scramble and get their own plot of land and work the fields themselves and become self sufficient. There are offers that people cannot refuse realistically.
I would count this as coercion because people who own money can refuse to spend it indefinitely. As money is needed to conduct transactions, it becomes harder and harder to trade the more people keep money for the sake of having money instead of using money exclusively as a medium of exchange as many economists (even Marx) postulate, even though it has been proven wrong hundreds of times.
A store of value cannot be used as a medium of exchange, those are two mutually incompatible and this conflict makes the money -> goods transaction inherently coercive, which ironically also backfires, because the only way you can beat coercion is through psychological manipulation. How do you convince someone to get something they don't need? By creating an artificial need.