You want people to hold real assets, not imaginary ones like a currency, because you want people to be invested in your economy. The only intrinsic value a currency have is taxation.
We don't want dollars to sit in hoards. We want them to circulate. If I can be without access to dollars for a while I can loan them to you for some enterprise. Then you pay me back more than I loaned you (and more than inflation we hope) because your enterprise created additional value.
If my excess money circulates I benefit from access to the things that money is used to build in addition to the interest I receive. Since I'm not a medieval landed noble my economic value isn't measured by the productivity of the serfs on my land holdings.
To adjust properly there has to be somebody who decides what "in tune" is. We're either back to centralization, or it's some sort of popularity vote which is unlikely to produce the right result.