Yup, this shock comes from the wrong idea of money as some kind of a physical object that you obtain by performing work, whereas it's more of a different name for debt. It's a social construct. Also, you absolutely do not need any kind of banks for this to emerge, in fact it's pretty much inevitable unless you always barter (for other goods or so called "hard currencies" like gold) and do so immediately. Immediacy is surprisingly important too.