Money exists because it is impossible for people to simply barter the many different things they produce since there are too many producers and products. Money acts as a universal stand-in that can be exchanged for any good or service, allowing specialization and trade. Without money, the complex global economic system that has developed wouldn't function as most people wouldn't work if they weren't paid, and there would be no way to trade skills and goods efficiently. Money is necessary for modern civilization and economic progress.