Except it's not. How do you know how much to send or pay? Or receive?

My capital and savings is a shit load of hard work and energy I have put in over the past few decades.

Sorry, I'm not about to go burn through it because I'm randomly giving amount amounts of money without having any value in return.

We must have a standardized unit of account to assign an amount. Until said time where that unit of account is xmr, you must assign value in other ways like exchange for gold, fiat, whatever other 'money'.