The EGO, that's who. The very notion of a means of exchange other than actual goods & services is a construct of the ego. Money is an illusory creation that opens the door to all manner of shenanigans, deceptions and fraud. Money = root of all evil.
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Depents who is your leader the EGO or you intuition. If your EGO is the leader, than money become evil. Money backed by silver or gold can create heaven on earth too. I don't believe that this evil system is created by humans, it is supported by humans that is for sure. Everybody can see that we are living in a system what is not honest but it is almost impossible to break free. But you are right the EGO loves money and this is the reason why we are modern slaves.