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It's really hard to read Debt and not see it as a very straightforward argument for the necessity of non-credit based money. Just like morality, credit cannot universalize. For trade among mutually mistrustful parties, hard and fast-settling commodity money is ideal
The money-from-barter theory is *theoretically* accurate, it can and indeed (as with the POWs) has happened. But a barter market (a) presupposes an efficient market, far more rare in prehistory than bilateral monopolies & coercive transactions, and (b) as observed is unstable.
As a result, what travelers, missionaries & ethnologists mostly observed among neolithic- or forager-like cultures was more alien to economists -- few spot markets or other use in day2day transactions, rather specialized stores of wealth used in fitness-critical wealth transfers.
so then what was used in day2day transactions?
Day2Day transactions were things like sharing food within clan, or a ritualized, bilateral monopoly exchange of e.g. yams for fish between coastal clan & inland clan. Sophisticated ongoing obligations occasionally involving future settlement w/collectibles or counter-barter.
No bazaars, posted prices, or other such market paraphernalia, that's from a much later era, long after dawn of agriculture, and only when and where social scales were much larger than forager or neolithic social scales.
In other words,specialized monetary objects, e.g. necklaces of shells or monetary metals, generally came into use for fitness-critical wealth transfers (tribute, legal damages, marriage payments, etc.) millennia before they came into use as widespread media of retail exchange.
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