I have an even more radical solution. The real root of the problem is that we use this "money" concept to represent value. If money didn't exist there wouldn't be any reason to steal, hack, or scam.
What do we replace it with? Haha, idk man. How about water? More difficult to hoard in ridiculous quantities, better spend it before it evaporates, and it occasionally falls from the sky (UBI). That's what I call a liquid asset!
For sure, getting rid of money would help if we had an alternative.
I am actually pitching an alternative though that doesn't seem that out there to me. I'm honestly surprised it isn't already an option in mainstream messengers (or at least Signal).