If you buy into the idea that money is a communication, that does not equate into money will be free. Money-as-communication must still be accurate and true; in my vernacular, any act of telling lies with money symbols is a counterfeiting. Anti-counterfeiting (guarantee of specific performance of contract) will always cost; you need professional administrators.

These administrators must be in an agency relation to the people and should (IMO) be self bonded. Any malfeasance of office needs to be met with loss of job and loss of bond.