Modern money began when rich people, worried about theft, would ask their local goldsmith to keep their bullion in his safe, and just give them a paper receipt. They soon tired of going down to the shop to get some gold and giving it to someone who would just put it back in the safe, and started just passing on the receipts, payable to "the bearer." At least the papers were easier to hide.
Then, the goldsmith noticed that there was always gold in his safe - he never had everybody doing a withdrawal on the same day. So, he could issue a few extra receipts with no one being the wiser.
That was the "best" idea a greedy psychopath ever had, and soon, the seven sons of Jacob Rothschild had gone to the seven capitals of Europe to establish banks. Before long, even Kings were under their control. When England wanted to win the Battle of Waterloo, they needed money, and to get it, they co-signed all the loans that Napoleon would default on. Those were finally paid off in the mid 1950s,
Various isolated communities have issued their own paper money, and accepted it for taxes, and those economies have been spectacularly successful, until re-absorbed by guile or force. Both Lincoln and Kennedy were assassinated shortly after suggesting that the US should issue its own currency, instead of using the private scrip from the Federal Reserve, which sounds governmental, but is not.
So, you are not poor because you perform poorly as much as because some people are insanely greedy. In tribal culture, we didn't need any inhibitions about getting too much sugar, salt, fat, or money, and unfortunately, having too much money not only makes the owner miserable, but makes life very difficult for many others.