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I agree with preferring intentional friction to be non-destructive. But while money is a useful medium to convert friction into, it will always cause more friction for those who have less money. I have written a post to explore this and other options for friction here:
https://www.lesswrong.com/posts/QqdrXf69NtJD4usGH/rethinking-friction-equity-and-motivation-across-domains