All this happened, more or less.

Money does not occur in nature, says the historian Jack Weatherford.
Whether the first coins were used exactly as we use money now is open to doubt. The first coins would have been so valuable they could nvever have been anything like 'change'. The main breakthrough, to commodification, probably came with the introduction of bimetallic coinages, gold an silver and/or copper.
But the eventual change in life that the invention of money brought about was momentous. It was in a Lydian city, Sardis, that the first retail market was introduced, when anyone could come to the market and sell, for money, whatever they had.
More fundamentally, the advent of money enabled people to break out from their kin group. Money became the link between people, creating a nexus that had not been possible under the barter system. In the same way, money weakend traditional ties and that, in time, had profound political implications. Work and human labour became a commdity, with a coin-related value attached, and therefore time too could be measured in the same way. Ibid. p.71.

Money als vastly promoted international trade. This, more than anything, helped the spread of ideas around the globe. After Sardis, the great urban centres of the world were as likely to be market towns as places of worship, or the homes of kings. Ibid. p.72.