As others have mentioned, you are quickly going to end up with government paying $5 per banana. And you'd have to add more administration to take care of allerg

As others have mentioned, you are quickly going to end up with government paying $5 per banana. And you'd have to add more administration to take care of allergies, religious requirements and similar. With money, you decentralise all that and let people save on their own, and spend on the most needed items (maybe they just need fuel to drop off by their parents having a farm?).