Share the work. Cooperation first developed among small groups of biologically closely related persons that we know as families, clans, and tribes. They learned specialized skills by observing and working with family members and close relatives. The limitation of family cooperation is small size. Few people can produce relatively little.
More people can specialize more, to produce more effectively, efficiently, and abundantly.
The evolution of government through kingship, monarchy, and parliaments facilitated an ever-larger scale of cooperation. Ways government can provide an adequate money supply, from best to worst ways. This way money issue increases national infrastructure. Lend it to pay for public goods and services. Money loaned by government can increase national infrastructure but must be repaid.