There isn't really only a single viable or perfect system. Each monetary system has different tradeoffs. Commodities work well until liquidity becomes a problem

There isn't really only a single viable or perfect system. Each monetary system has different tradeoffs. Commodities work well until liquidity becomes a problem and so governments print fiat commodity-backed currency. Eventually a situation arises and the government needs extra $$$ so they start to inflate the currency and eventually remove the backing once everyone is already using the fiat currency. Credit systems are great for liquidity but have cascading failures once a situation arises requires settling up.