what a waste of effort.  dollars, "time dollars", whatever.   They're all the same.  It's all just a way to to store excess until the future or borrow against the future to have something today.

money is work.  Some have to sweat in the fields to make the money.  Others have a spark of brilliance that makes 100000X the value of digging a ditch.  Others just get lucky and get born on top of a pool of oil with enough kin with guns to keep control.