Conventional money is supposed to be doing everything. By adding in complementary currencies, you actually get different types of things and different outcomes from different complementary currencies.

The direct consequence is that we have to fight with each other in order to survive.

Look at any financial institution, at any bank. They're all photocopies of each other. There's no diversity of institutions and even less diversity of currency. Therefore, just as you say its very logical that an ecosystem like this will collapse, it's very predictable a monetary system like this will collapse, too. And it hasn't finished collapsing, by the way.

Complementary currencies work in addition to existing money, rather than replacing existing, official money. There are whole different families of complementary currencies. One of them is local currencies. One is regional currencies. Another is functional currencies. Another is social-purpose currencies.

The Future of Money: Creating New Wealth, Work, and a Wiser World

Conventional money is supposed to be doing everything. By adding in complementary currencies, you actually get different types of things and different outcomes from different complementary currencies.

When the banks create the money, they don't create the interest. They send you into the world to compete with everybody else to get the second $100,000 that never was created and bring it back to them. So if we're in a world with zero-growth population, goods, services, and money, the problem would be obvious.