I don't agree that any conception of money ameliorates these concerns. I think all such claims are simplistic and reductionist, and an example of the fallacy of the single cause.
Discussion
History of money is clear. It doesn’t negate tribes — it allows them to cooperate across boundaries of trust.
Just saying, it’s better to create universal tools any tribes can use rather than attempt to destroy human nature’s affinity for tribes. Independent, free-thought should always be encouraged too of course.
I wouldn't argue any of the claims you're making about the role of money, here. And I would suggest that none of this is incompatible with my prior point.
Memes are a low mental-cost, medium of communication across trust boundaries.
That’s why they are so powerful, like money.