Well… Money doesn’t get spoiled as easily as bananas do…

On further consideration, money can be understood as a tool with many uses.
Hoarding, for instance. Bananas, among other things …

And, as with all other tools, the responsibility for its use falls squarely on the user, not on on the tool itself.
Tinkering with the tool won’t change that, ever.

My point being that monkeys would also hoard bananas if bananas were hoard-able.
There’s nothing wrong with that. For as long as the hoard is meant to feed the hoarder till the next crop, of course.

Hoarding is bad only when done for its own sake.

And this is something for philosophers to study, not for scientists.
The teachings of the Chicago School of Economics had been very scientific yet following them was what brought us where we are now. Into a very uncomfortable cul-de-sac…

Blindly following them… mislead precisely because of their scientific nature!