Actually any money spent under the present system - Money A or B - will be, in effect, taxed in the form of embedded tax costs that raise prices by an amount equal to something like 20-25% in addition to any income tax that may already have been paid.
Well, if anyone seriously believes that the disappearance of "embedded tax costs" would magically lower the prices under the new system - I could offer to such people my shares of interest in one used but perfectly serviceable bridge in NYC. I could even add a timeshare in Grand Canyon, as a bonus. As seen in, among other things, gasoline prices - the prices go up with alacrity, but come down much less eagerly.