I think sibling has a stronger argument, but I just want to add that, even if you take a free market approach for everything else, I think paying and receiving

I think sibling has a stronger argument, but I just want to add that, even if you take a free market approach for everything else, I think paying and receiving money deserves to be treated separately. Monetary transaction is fundamental to civilization, more than any other single service or good. You very nearly can't participate in civilization and can't at all in the free market without being able to freely spend and receive money. And this is the first time in history that monetary flow has been centralized to this degree, and it's hard to imagine things going less digital.