I remember as a teenager reading that some ancient Greek philosopher had said that "money" had to be relatively rare in order to work as money. If everyone had plenty of it (such as dirt) no one would be interested in trading their hard work for it. But it also had to be abundant enough that people saw it regularly and knew they could trade it for other things. (I'm happy to trade US Dollars or Steem for finished product, but I'd hesitate if someone offered me crisp new French Francs.) So there seems to be a kind of balance.

In Brazil years ago I noticed street vendors selling amazing toys made out of 2-Liter pop bottles. The vendors were reasonably busy, too. The pop bottles were abundant, but the toys were not. Nobody was working hard to obtain pop bottles, but kids were standing in line to get the toys.

Maybe it's the abundance of raw materials and rarity of quality finished product that is important. Maybe the reason people feel stressed about "money" is that they feel they do not have an abundance of raw resource, or any ability to turn it into a valued trade-able product. Their only raw material seems to be time, of which they don't really have enough, and many don't feel any confidence that they can turn it into a valuable product.

Or maybe it's that currently only one local type of "money" is regularly accepted at most businesses, and many feel shut out of getting that resource in abundance. Perhaps a simple proliferation of widely accepted currencies is needed most!