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Sorry to hear that. Personally, and I might be a millions miles off here, i find its usually only stockbros who react that way. You know, the kind who get their financial advice from wallstreetbets.
I know that it's a radical idea to lots of people and I may end up being ultimately wrong but I think its a position I can a least logical argue. I think better than the "power of friendship" or infinite debt loop of debt that isn't owed to anyone, nor does it ever have to be repaid (making it, by definition, not debt).
For me though, money would be an IOU for human labour, exactly like the old British pound was a literal IOU for gold. Its not far from what you said at all, tbf, but I think its more sound wording. Kind of the technical long form of that which could exist in our society.