I believe that human action means we will always create value, and specialise, plus trade
So the need for money will always be there to perform its 3 key features
Store of value
Medium of exchange
Unit of account
The technological cycle will not create a scenario in which the human spirit of endeavour goes away
What inspires us might change
What is considered success might change
But the utopian and dystopian you mentioned are very unlikely in my view
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