Answers for "Money is just a tool"...

Money is a politically charged tool which means like many designed things someone or many people have designed many parts of that tool which is inside and connected to other tools... So you the end user might use it as 'just a tool" BUT the work before is all the politics done for you and even chosen for you so while you use it you get no say in how things are done more than buying it or not.
In order for you to 'easily' be able to use it, exchange and pay taxes... money makes it easier in some way which makes it worse for people in their understanding how the people making it and rules around means they are paying themselves also and taking a %....

(this is my basic explanation,
welcome to expand or edit it)

(someone pls explain me what money is to improve this!)

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Below is examples / analogies

Like you didn't kill any pig or get any blood on your hands to be able to buy pig meant by going to a supermarket with a clean package over it

Like you don't agree with banks charging interest for keeping your money safe

etc

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Counter-points (my attempts)

Do you like walking into a bank?
Do you think banks are fair?
--->If any of these questions raise doubts then it make senses that there is a doubt to their practices and between the politics and practices of banks and what it does... so imagine all of life built on that and you can see unfairness or very risky instability

etc

Conclusion
If you can show the politics of money, then people can classify it not just as a neutral tool, but a way of ultimatum, control, hidden bias and many other things...

Hoping someone can add to this for the average person to be able to see "it's not just a tool, it's a trap" or something simple.

If you start saying "your invested time and 'money' is depreciated over time!" I think people already lose track exactly what you mean...

Hell someone explain me what money is....!