Life (things which live) seems to have an inherent quality to survive. An economy will exist in anything which can be thought of as a culture. This is entirely independent of money, banks or government.
The "theories" and forced practices about this have reached such a level of complexity that the average person, who makes up the culture after all, can't understand them. And so he thinks he has to rely on the "experts" or other people he thinks he should trust. This situation is the hallmark of a scam, and the subject of money and economics has been made complicated exactly for this reason.
If governments, banks and academics would get their sticky fingers out of the mess, it would very likely sort itself out to almost everyone's benefit.
Salt Lake City