Money, perhaps more than anything else in human society, exhibits network effects that incline it toward winner-takes-all dynamics. That's not how money works,

Money, perhaps more than anything else in human society, exhibits network effects that incline it toward winner-takes-all dynamics. That's not how money works, if by money you mean a currency. Currencies are issued by sovereign governments, and don't exhibit network effects within that sovereign jurisdiction, because they don't need to. They're legal tender; you're required to accept them, and everyone needs them to pay taxes. If you mean money as in wealth, that's an entirely different topic.