I think that people are making the distinctions between tangible and social realities far more difficult than they really are!
Chipmunks are organisms, which is probably not controversial. But currency is a technology, just like all human-devised systems are technologies, which it seems to me many people refuse to understand, because it suggests that people can have personal responsibility for them.
For example, humans could endeavor to exterminate chipmunks, but otherwise, they could do nothing and chipmunks will reproduce on their own. But one need not exterminate buggy-whips! Since they only exist if people create them, then they vanish once people cease making an effort to produce them.
I guess it can be, although I think this suggests a troublesome lack of self-discipline. Much of human social life seems to be based upon routine habits and ritual. So if human brains are pruned like bonsai trees to internalize the reality of money, it becomes a self-perpetuating problem, but one which is hardly insurmountable. And the reality of this is far from universal!
But, as usual, people continue to misunderstand my thoughts and practices with regards to both societal structures as human technologies, and money/currency generally. There isn’t anything wrong with imbuing value to a symbol, but it is best done voluntarily, deliberately. This involves democratizing the creation and use of money, rather than being controlled by a monopoly. It is a matter of getting over the mass delusion that the average person cannot implement such systems as needed, that somehow other people have special powers which enable them to do it for you.
When I say that “I don’t believe in money”, or that it has no place in my life - this does not mean that money does not exist. It means that I personally have not implemented any such system, nor have I negotiated using anyone elses. That’s why it isn’t “real”, because I have no direct involvement with it. Just like Mensa or the Roman Catholic Church aren’t “real” for me. Being social constructs, they are real, but only for those who participate, and I don’t participate in them. Even if I was told that I had to join or die, I would still not consider them “real”. But if I was born into them, I might find myself conditioned to accept them as real, and assuming them to be equally real for others.