How does one measure value and then store it? That's kind of the definition of money. A money market account is insured and the real return is 0%, so it's not

How does one measure value and then store it? That's kind of the definition of money. A money market account is insured and the real return is 0%, so it's not as vulnerable as you seem to think. You can call money a credit. Then you can assign credits to actions and create a moral police to assign credits to people who do these actions and enter those credits into a leger. And now you've recreated communist China. Congrats.