They do not want our money for themselves.
They wish to control us by controlling our access to purchasing power, and therefore survival.
I read a Sci-Fi novel back in the early 70’s when I was a teenager that had a main character who possessed a certain skillset and the government wanted him to do something. He refused, so the government froze all his assets, and he could see his ‘credits’ going down to zero on his watch! This was before there was even a digital watch on the market! No Internet, no personal computers, either!
He couldn’t even get into his apartment because his watch was locked out of the ‘system’. He couldn’t even ‘buy’ a cup of coffee at a snack bar because his watch was inoperative until he agreed to do the job.
I wish I could remember the name of the book. It was so prescient......................