[sgc]

Modern money is more debt and promise rather than fruits of labor. Most money is created by loans which are 90% invented money (10% deposit to loan ratio, Federal Reserve "funding", etc). So 90% of all loan money is just a marker of debt and a promise to repay rather than the fruit of anyone's labor. But you pay massive amounts of compounded interest on that invention, and many/most people work most of their lives to pay off their mortgages. So we must churn out grain our entire lives for basic necessities because people have access to this marker, and they will price you out of a home if you won't get on the treadmill with them.

There is a social/historical commentary and a philosophical/political science discussion to be had here, but unfortunately I don't have the time right now...