David Graeber have spent a lot of ink debunking this myth in https://en.wikipedia.org/wiki/Debt:_The_First_5000_Years. Therefore, I don't think labelling money as a meta-platform is quite accurate.

The following are some loose citations from Graeber:

Money has no essence. It's not really anything. Therefore, the meaning of money has always been and always will be a matter of political contention.

Markets and state is a false dichotomy. Whether to allow loans or not is a debate which is missing the point: we should really discuss what do we replace capitalism with. Capitalistic growth is unsustainable.

Confronted with the prospect of its own eternity, capitalism explodes. There is no reason not to extend credit. Therefore, there's always a notion of looming end to capitalism.

Graeber also proposes a global jubilee. It would release a lot of human suffering, remind us that paying debts is not the essence of morality.