Ofc it's real. Money is a construct and it's real.
But what we made creates so much suffering and takes lives away. That's just not necessary. And ofc changing it will probably take some power away from the previliged, that's the point. Ideally we want everyone to be satisfied, but not when there's still people dying of starvation.
Proposing easy solution to complicate problems is never my point.
My point is we can stop actively reinforcing the construct that hurts people, or at least be open to be more lenient about it. And see where that leads us to. We don't want to just drop in a complete new construct and have everyone agree to it, I don't think that's even possible. But change in a direction we want to and let the rest develop naturally, just like how we developed the current system.
Obviously it's not easy, it's complicated as you said. But the current system requires active reinforcement. Doing a little less is a whole lot better than doing more to hurt.