Money is a human-created system designed to coordinate trade, value, and debt within societies. People collectively decide what counts as money and which institutions can create or guarantee it. Laws, contracts, and shared beliefs give money its power, not any inherent physical property of coins or paper. Religious traditions interpret money in various ways, sometimes as a tool to be used responsibly under moral guidance. While spiritual perspectives may frame wealth in relation to divine principles, the structures of modern banking and currency arise from human design. In that sense, money is firmly man-made, though often judged by ethical standards.