I think this is a rosy-eyed view. Money is a formalised manifestation of debt, which previously was an informal system of reciprocity and altruism. But formalising this debt with financial and monetary systems destroyed the altruistic part of the arrangement.

Graeber explains how money was created by states to enforce its authority and basically coerce people into participation. The anonymity of monetary debt and the fact that the system is controlled by the "powers that be" make it kind of the opposite of altruism.