What is good about money?

Morbius writes (private):

That's conflating numerous elements, and there may be others. I'm just going to riff on my response.

• "Without actual money" -- keep in mind that there's some vagueness about what "actual money" is. There are coins and banknotes, there are accounts and balances (strictly notional, without any physical embodiment), there are credit systems (a risk-scoped extension of accounts/balances), there are IOUs and contracts (which add concepts of legal obligations beyond just the value aspect of an exchange). "Money" is potentially a lot of things.

To narrow the scope of my question: a tokenized medium of exchange with a value that's reasonable stable or predictable in at least the medium term, and widely interchangable and acceptable / accepted.