I think it’s work that does the work, a tautology, I think using money as a proxy for work is a convenient hop and skip. When it comes down to a rigorous analysis (of the kind say a climate scientist does in a life-cycle assessment money is to vague a reason. What does it represent? Some amount of gold? Well, the US dollar is no longer pegged to gold à la Bretton Woods, how then does ‘money talk’?
I think super-apps are the way to go, only way to prevent one company from monopolizing click-stream data for advertising.
some apps already do this and their users don’t suffer from the same issue (granted, they have different issues)