Without needing to know anything about the individual you are performing the exchange with because the money carries the trust.
The state is a mafia that has turned human interaction on its head and made everyone a spy for the ruling class.
By having data on the majority of transactions and capital flows the elites can game the markets at the expense of society as a whole.
Forcing people at gunpoint to collect personal information on everyone they interact with is a disgusting communist practice and needs to be abolished and resisted.
Actually, the meme is correct and something I didn't realize. Money is deferred proof of work (i.e. a store of wealth) and a unit of exchange. Money allows me to have a unit exchange with you without knowing what your needs are so we don't have to barter. Since I won't need to know what you eventually will want for barter, I can store value for the future. Note, any commonly accepted nonperishable commodity (fiat, gold, silver, Monero, rice, beans, cigarettes, beaver pelts, etc) fits this definition too.