Hear me out, what if we allowed people to access health care regardless of who has how much money?
Money can be tied to life changing/life threatening events or situations in many more scenarios.
The archetypal scenarios are people losing college money, retirement savings, downpayments for their kid's apartments/houses, etc.
There are many ways in which money is very, very real.
Anyone who still clings to this "fiat" thesis is just detached from human reality.