Depends. If you have a fiduciary money, it has some meaning even when not used in commerce.
Fiduciary money is basically when your note say 'the issuer promises to give the bearer X on request', where X can be a cow or certain amount of gold or some other base currency.
Without commerce, this kind of money essentially degenerates into a voucher. But vouchers have some (minimal) meaning, even without being used in commerce.
I think it would be fair to say that money is also a game. You need to play the game to survive in this world, but it's a game and there are many ways to play it.