I think I should probably say trade rather than money, because it's all the same thing. A coat traded for a sandwich is money - just a bulkier and less efficient way of doing it. In this way "money" is better than "barter." A coat traded for a sandwich comes from the same mentality as a bill traded for a sandwich.
Trust gives birth to trust, so we must start by trusting the untrustworthy, and go through a period of getting screwed. That's the cross. I am simply re-stating what all of the religions say: random (not organized, not pre-arranged) generosity, random giving to present needs, must begin now, where we are at.
We cannot pull down or change any system, and we must not start a new system or religion or whatever "non-profit". Just simple human compassion (love, gift) can happen anywhere, anytime, infecting the world so much so that the organized commercial and "non-profit" systems can become obsolete on their own. Love cannot be traded. Love can only be freely given and freely received, else it is not love. ALL things must be done in love.