The rules you mention are very localized, and granular on sub-social level. Me & my friends across the country may follow similar rules, but my next-door neighbours will follow different rules.

Alas, money is always an overriding concern. Your adherence to local cultural regulations may or may not buy you good karma, but that karma is not redeemable beyond your current social group. You won't pay for supplies out of it, and you won't build your house with it. But you can do that with money, regardless of where you are. So money tends to displace everything else out of sheer utility. Of course it can't substitute for every social interaction, but then you also don't want to run scarcity economy on karma.