The taxation example you cite is key. That the way history tells the story is that money was invented by state actors to finance military power. This endeavor has the side effect of creating a market economy. So states create markets, which implies markets require states. And the military power is as much turned inward than outward: you end up with police protection over the transaction coming ultimately from state actors.

Over time cryptocurrencies will adopt all these features of government regulation and police protection over the transactions if it is to become ubiquitous. So, just another analog of any other money system we already have.