Well said. Although in pre-modern times, money, even metallic money, was not the major means of organizing people or resources for projects because exchange was not the principal social institution for obtaining cooperation of others. Family loyalty, faith, military allegiance, and other institutions were as or more powerful means of compelling others to engage in commitments with each other.  Fealty to a prince was as much a form of debt as a loan based on monetary notions is today because it resulted in the same kinds of distributions of real resources among stakeholders, just without using markets to do it.