There is a big difference between necessary and inevitable. Crime is inevitable. Is it necessary? I believe a civilisation could exist if the people decided to outlaw money. There are so many other ways to allocate resources: bartering, contracts (which get you asynchronicity), centralised allocation (which can be at a national level, e.g. communism or a local level, like a feudal system), gift economies. All of these have existed and worked for a time.