You are not looking deeply enough into it; why is there fiscal responsibility? Nothing about the planet earth or our biology makes payment in coin or paying rent to land-owners inevitable or necessary? The dynamic that we are illuminating creates the conditions that impose fiscal responsibility.
"Ah, those endless forests, and their horror-haunted gloom! For what eternities have I wandered through them, a timid, hunted creature, starting at the least sound, frightened of my own shadow, keyed-up, ever alert and vigilant, ready on the instant to dash away in mad flight for my life. For I was the prey of all manner of fierce life that dwelt in the forest, and it was in ecstasies of fear that I fled before the hunting monsters."
Jack london, "Before Adam"