I'm pretty conservative on this: money shouldn't change.
Let's start from the concept of money, and think what if we still had to rely on barter. Every person, every family should take care of everything they need for living, or hope for uncertain bargains with other people, neighbours who may already have what you can give away, or may be not so interester in your crafts.
Somebody can see it as a paradox, but in our economical system earning money for an activity allows yourself to specialize your activities according to your skills: in our specialized society, money frees your self. obviously there are other problems: inequality in money distribution, and acc**ulation of money, for eample: nothing which can't be solved by a fair taxation system and a strong welfare.
But there's more. In the mission walkthrough, I had the chance to spot the articles about "The future of Money". And seems we're pretty doomed: going forward the e-Money. The only argument in favour I see in this is the possibility to easily move money (regardless to physical distance and different currencies) to weaker economies (think about immigrants who send their savings to their hometowns, helping their families abroad, and the economy of their country as well). But on the other side I see many drawbacks.
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Acc**ulation: banks and virtual money allows greedier than ever acc**ulations of money, allowing inequalities and an improper use of money. Think about the wealthiest people in the world, and the physical volume of their fortunes if they had to stock it in coins or banknotes. Scrooge McDuck is only a fictional character, after all.
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Psychology: turning the payments from physical to virtual fades away the importance of money, outlining the objects we're purchising and hiding the value of the object to our mind.
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Social issues: a virtual money would be unfair to people who can't afford the "hardware" needed for it, tracing a digital divide, deepening inequalities.
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Unreal economy. virtual money strenghtens an unreal economy, made worldwide in stock exchanges. Everyday a few minority of world population trades shares, rights, futures, mortgages. The problem is that finance has nowadays entangled real economy: companies, employers depend from stock tradings. And any time the stock exchange system fails (lately it's often happening), millions of lives apparently unrelated get involved in those falls. Too many times Unreal Finance has hit the Real Economy
(http://www.marketoracle.co.uk/Article6507.html): it's time to disintossicate from this drug.
Coming to an idea which can change something in the economic system, I have a "sweet tooth" for Solidal Purchasing Groups. This is an easy way for purchasers to get food and other item from small producers in their zone. Less carbon emissions, more control on ethical and quality standards, lower prices (due to the cut of intermediators).
Have a look at
http://en.wikipedia.org/wiki/Solidal_purchasing_groups