What you seem to be describing is your hat's physical attributes, such as its ability to keep heat in. It was purposely built that way by humans. You won't find any hats in nature. So basically, a hat is a tool built by humans to help keep your head warm. It's value is that it has been built for a certain purpose.

You can really consider anything created by human as tools to accomplish a goal. Money is one of those tools. Sure you can complain that fiat money substitute is not real value, and you are correct. What we use for money nowadays are iou's for money with the iou removed. Those pieces of paper once promised precise amounts of gold or silver not too long ago. But now they can no longer be redeemed in lawful money. This is where you guys are having trouble. You think that these pieces of paper are money. They're not. Money is a tangible real commodity. Gold and silver have long been determined by the free market to be the best moneys.

I have found that you "no money" people have a very tenuous grasp of reality. There is NOT enough of resources to go around. Resources are limited absolutely, and practically, and by the physics by which our reality works. There is no way around this.

You "no money" people seem to not understand human nature at all, either. Time and time again, history has shown that people will not work if they are not rewarded for their efforts. Thinking that people will rise above their nature and do everything for the good of everyone all the time is simply delusional. You are setting yourself up for failure. And a slow death by starvation.

It is very nice to consider everyone in the world as your children. And almost all of your children won't be getting anything from you because you already gave away everything you have . Which of your children will have to do without? Will it be first come, first served? You say it doesn't matter if some will get nothing. What if they need food to survive another day? And you have given all your food away already? If you give all your food away to anyone who asks because they are the same as your own children, how will you eat? And if you don't eat, how will you tend your farm to get more food? Should you be considered selfish for keeping enough food for yourself, when others around you are hungry? How much food should you give each person? Is it up to you? Is it up to them?

What you seem to be describing is a gift economy. These exist at the fringes of civilization at the poorest, most useless areas of the earth. They exist within small groups that have almost nothing. These people live at the mercy of nature, and let me tell you...nature isn't merciful. If that's how you want to live, have at it. Travel up to the arctic circle and live with the inuit. That will be a very fast lesson on the advantages of a free market capitalist system.

Money is a tool that was born to fill a need. The need was people wanting to trade their goods for things they wanted. Using a particular thing as money, a most desired good, made trading simple. Pricing everything in this money makes it easy to decide if you will trade for it. Much time and effort is saved with this system. It has nothing to do with immorality or lack of generosity. Everyone can be generous and moral with a money system. You are free to give your money or goods to anyone you please in a money system. It is not the money stopping you, it is your nature. If you are rational, you know you must put aside some of your things for future consumption. This makes your future more secure. And with this added security, you can spend more of your time on building up civilization, donating your time to help others, or providing your skills to help. Money is a neutral tool. It can be used for good or evil. And it is absolutely necessary in our high tech world. It is an incredibly complex web of interactions between a vast amount of people around the world. It is a bit harder to operate than giving your kids a cookie when they ask for one.