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While that is true, the overarching point is that it fundamentally still is, just a story. You're just describing real world consequences, precisely because humans/societies believe in that story and enforce it.
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By that logic, most everything other than a club to the head is "just stories". Hume points out in a Treatise on Human Nature that most of how we interact with the world is through a coherent hallucination provided by sense organs that tell very narrow stories, but when stitched together form a cohesive whole. You're almost doing the equivalent of saying that gravity is "just a theory".
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Society is a story, not a chemical reaction. People like the story of money because the stories that had gold coins or barter sucked a lot worse.
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So what you're saying is that you can pay your taxes in dollars, real estate, cattle, gold, cryptocurrency or whatever.
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> Fiat currency isn't just a matter of belief or stories

... Then how do we, as a society, determine how much a dollar is worth?! We do use force to enforce the stories we tell about fiat. But 'believe this story about how much a dollar will buy you and how much you owe, or else we will send thugs to your house' isn't disproving the point at all.

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