I mean to be fair the current system is "a $400T financial timebomb". I think your parent comment was trying to imagine a system for taking care of the elderly that wasn't so entwined with existing financial markets.

I just don’t understand why people see this as the same thing - the value of money is always vulnerable to a myriad of factors however our moral interest towards each other seems (maybe I’m optimistic ) to be more consistent

How does one measure value and then store it? That's kind of the definition of money.

A money market account is insured and the real return is 0%, so it's not as vulnerable as you seem to think.

You can call money a credit. Then you can assign credits to actions and create a moral police to assign credits to people who do these actions and enter those credits into a leger. And now you've recreated communist China. Congrats.