Money doesn't really have physical value, only speculative (you want it because you trust that someone else will want it in the future).
Shares in public companies don't really have physical value unless you own enough to change the management. Sure you 'own' that fraction of the company and their assets, but the managers of the company don't ever have to pay you out any of it. Almost all the value of a share for most people is in its speculative value.
Art generally doesn't really have physical value, the value is almost entirely in the story that goes with any specific piece. This isn't just true of modern art, being part of the story of the Mona Lisa is much more important than the aesthetic experience of looking at it (they let plebs do that for free!).
Education certainly isn't something with physical value. Sometimes it has utility value for what you can do with it, but more often it's just something that people want you to have because it distinguishes you from people who don't have it.
Insurance doesn't have physical value, it's more the value of feeling safe, which is a meme.
Entertainment is almost entirely memes and people have been paying to listen to music or watch drama for millenia.
Even the stuff that we 'used to buy' that was physical, like a car actually has a huge segment of its value that was meme based. You can tell by watching what companies advertise for. They rarely advertise for utility, they advertise for meme value.
Certainly monuments like cathedrals, huge stone circles, shrines etc were memetic as well as physical, and humans spent a phenomenal amount of effort on those things.
A huge amount of stuff that people spend money on has been primarily mimetic going back into prehistory.