Ordinary people can help create new money by making promises. You constrain the future by making a plan, and promise to keep it. Money is created in response, because in making that promise you have created value. New money is created to represent that value.
To lose trust in the basic inception of wealth is to lose trust in the idea of human improvement. If all the value that can be already is, then market dynamics can only be about churn, conflict, and accumulation. Static or contracting economies make people cruel and shortsighted.