In its origins, at least, money was never simply a product of government fiat:https://www.alt-m.org/2017/08/24/why-the-state-theory-of-money-doesnt-explain-the-coinage-of-precious-metals/ …
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Debating the origins of money solely in terms of coins & exchange misses about 99% of the story. Hopelessly narrow in both form & function.
There were important fitness-critical wealth transfers besides exchange & coins were usually not most important specialized form they took.
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Examples of fitness-critical wealth transfers involving specialized media but neither "the state" nor markets: https://unenumerated.blogspot.com/2017/02/conflict-and-collectibles-among-yurok_87.html …
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