@ntnsndr I say "without directly interacting" because it's not that hard for me to negotiate an arrangement with a person I am talking to directly without using money. I can build a website for a friend or community member in exchange for any good or service, or just for goodwill or an unspecified favor in the future. But once I need to work with a landlord or other entity outside the community that can't or won't operate at a personal level, I can't just say "my friend owes me a favor".