Okay, lets get definitions clear please:
1. Money is denominated in a currency (e.g. USD, cigarettes, etc.. anything ppl accept as means of payment & price goods in)
2. sellers price stuff & buyers become debtors who owe sellers the price
3. debtor normally settles by paying price in money
4. Buyers need a positive transferable balance in a currency to be able to use it as money to pay debt