free money, even better.
This is true, in the Philip K. Dick conception of reality ("Reality is that which, when you stop believing in it, doesn't go away"), so maybe something we all shouldn't get worked up about?
If we stop believing in our duty to return the favor, what happens? Or if we stop believing that there is such a thing as society? If we stop believing in usury, does it exist?
Well like you said, money isn't real. Sure is convenient though.