So the exchange is put on hold. You may use it to buy yourself dinner or soap. Now the exchange is complete. Or, you may put the money in your bank and never use it to. Now, since money marks energy out of time it allows for such things as credit, investment, and speculation.
Money is the name of the disembodied energy.
Many of us in the Western Culture are horribly in debt to it via VISA etc. We have made it real in the sense that it has become a deity. It comes out of cultures where people need to bargain in order to take care of one another. We don't grow food for our community, we don't house each other, and we don't readily give unless we are under contract to receive. We don't value work by its spiritual benefit, only by how many units of energy markers we receive.