Human nature is malleable, it is determined by material conditions, ie the surroundings and experiences, including the economic formation of society. As society shifts in Mode of Prodiction, “Human Nature” shifts with it.

Further, Capitalism is not simply using currency to trade. It arose only a few hundred years ago. Currency existed back in feudal eras, despite predating Capitalism. Capitalism specifically arose primarily with technologies like the Steam Engine. More generally, Capitalism is more about turning a sum of money into a larger sum of money through paying wage laborers to create commodities using Capital you own, competing within a market where this is the principle aspect of the economy.

This system is relatively new, and is already being phased out in Socialist countries like the PRC.

Such has been the present interpretation of the course of recorded history. Recorded most often by conquerors, looking favorably upon the the ends of their conquest to justify their means, and if you boil just about every single conquering ideology down for long enough, you will see two things, in this order: greed for what the conquered populace had, and fear of not having enough.

That’s not “human nature,” that’s a response to human nature. Most of us would probably generally prefer to go on living. For many people, that looks like “i just need my necessities covered and I’ll figure out the rest.” Historically this happened by banding together and looking out for one another, not by hoarding resources and making people do extra work just to fucking exist with a modicum of comfort in a society forever dangling a golden carrot to keep you distracted from the meat grinder. (Edit for formatting)