But Capitalism
Here's a hint, capitalism isn't the problem. Capitalism allows us to do what we want, which means we can be greedy. Freedom is a two edged sword. One that I will gladly take cuts from while it enables our way of life. No one else is responsible for your safety but you.
Bartering isn't any better than using fiat. Fiat allows economies to function at a level bartering can never approach. To say we 'need' money exposes your ignorance.