Money is a unit of measure, a necessary go-between because barter just doesn't work on any but the smallest scales. If I need a root canal and I don't possess any goods or access to any services the dentist wants/needs, what am I supposed to do?
Humans are wired to cooperate mainly if it helps them compete. Basically they cooperate more than any other animal. But cooperation is a means to the end of out competing other groups.
That said, there doesn't seem to be any hard science either way, so this is just my opinion, and your opinion holds equal value.