No. But it’s mostly bad. Group-affinity is driven by proximity and context. Not by simple dispassionate reasoning.
Discussion
I understand, but fighting human nature by wanting everyone to stop being tribal is futile. It’s the very reason we all exist ~ fundamental to the history of evolution itself. Money was one of the first mediums to operate across tribal boundaries.
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.
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.