You just threw a bunch of words together there.
Universal need? Acknowledged?
How about fulfilled?
As individuals we not only have universal needs, but specific ones.
So what happens to those?
Stop with the airy fairy responses and discuss why you believe money is intrinsically immoral, and debt.
If a monetary system had never been developed, we'd all be sitting in animal skins, chewing on willow bark for the toothache we have, because there'd be no dental technology, health insurance, and we'd be living in caves and such, after we rousted the animal living in there already.
How immoral would it have been if we chose to live such a life, when it could have been so easily improved with a system of sharing tokens that the receiver could then obtain what was important to them as an individual?