Writing systems evolved with agriculture, before anything you could actually call money that wasn't just barter.
The clay tablets which were invented much later than other writing systems were actually reusable, youd wet them and the clay became soft again.
The ones that were have found are mostly from the rubble of buildings that got destroyed by fire and just happened to cook the clay tablets without destroying them.
Much much much older examples of written language found carved into stone and painted inside caves. Everything that was not a cave painting kept out of the weather or carved into stone broke down over time.