So the best realistic alternative is what, AWS IAM for autonomous economic actors?
Currency as a tool is inextricable from currency as a representation of interconnected states and state coercive power about what can be done with it. The maximum-autonomy other end of the spectrum leads to feudalism—not equivalent to feudalism but actual feudalism.
Low-currency-autonomy systems like we have can also produce bad outcomes. But sprinting for the other end of the spectrum guarantees them.