I'm some way back in this thread due to my infrequent visits, but I'm an interested party, so maybe you'll indulge me if I ask you to retrace a few steps.

You have explained money as a promise of labour or work, arguing that all wealth has to be created by work: even diamonds lying around have to be gathered up - and that's work (my example).

However, none of the authorities I have consulted even refer to money as representing a right to call upon a cetain amount of labour, although they might allow that you can obtain labour in exchange for money. But that, I believe, is not the same thing.

I had similar thoughts myself, although not well formulated due to my ignorance. But I did wonder how money could represent a unit of labour when people's work is valued so differently. A woman is paid less than a man for the same work. A young person does not command as much as an older person. An African sells the produce from his field for a few pence: maybe a year's work. Western farmers earn that much in hours or days. A soccer player earns as much in a week as a teacher earns in a year.

If a unit of labour is so imprecisely valued, how can money, which has a definite, if volatile, value represent it?

I haven't read far into your lengthy original post yet, so I don't know where you're going with this, but if you're basing your arguments on money being the same thing as work, or a right to call upon labour, I'm far from convinced that you have a case.

As you go on to say that credit is also a call aupon or a right to labour, I am even more sceptical. Credit is not so much a promise of work or anything else, but is an expression if the borrower's future ability to repay: "Credo" = "I believe". If a lender owns wealth, and he believes a borrower will be able to repay him, he will be willing to transfer his wealth - probably in the form of money - to the borrower temporarily, so that the borrower can do whatever ha wants to do with it.

I admit that I never prgressed very far with my studies in economics, and if you feel I am in water that is way too deep for me, please say so.