I agree with you. But don’t forget that money requires confidence by humans that others will accept it in the future. That confidence usually emerges from something deeper than social agreement alone. If something cannot reliably store value over time people won’t want to hold it.
If people don’t want to hold it they won’t accept it in exchange.
If they won’t accept it it can’t function as money.

That’s the causal chain. Just an observation from history from a retard so don’t take my words too serious