A tool is a thing used to perform a task, typically created to do one or more specific tasks. Money is, in it's most basic form, a tool used for facilitating trade of goods or services without needing to physically trade or barter such for each other. For an archetypical example, you could trade 10 chickens for one pig. But if it's agreed upon that the pig is worth X dollars, then you don't need to bother with the chickens and can just hand over the $. Of course modern economics has complicated the shit out of it, but at the end of the day money is the reason you don't pay your taxes in bushels of wheat.

The horrendous feature is a direct consequence of wanting money, which is used to do things because it is a tool, but not having anything of any actual value to trade. Therefore they created something that they can make which has no actual value, and convince people that it has value which deserves to be exchanged for their money. It's just another way of separating gullible idiots from their cash. What they do with the money, whether it's use it as a tool or just stick it in a box (or bank or whatever) somewhere is irrelevant. You can buy a hammer and then never use it but you still have a hammer and it's still a tool. If money literally had no use whatsoever then it wouldn't be a tool.

Time to get on your knees