The money system, being most basically an agreement/abstraction, does not have to necessarily abide by the supposed temporal laws of thermo-dynamics. That is it can be used to create both entropic (unbalanced) and non-entropic (equilibrium) purposes.

For instance, if the rate of flow of total costs exceeds the rate of flow of individual incomes in the normal and completely unfettered process/condition of the system and is the reality (an entropically cost inflationary and individual income deflationary condition) then the money system being digital in nature and also not being subject to entropy can balance it by costlessly gifting the individual and the business community in economically equilibrating ways.  It can also be used not only to equilibrate the system, but to reverse its entropic nature/flow in favor of more individually freeing and systemic free flowing ways while maintaining profit making systems…and actually having price deflation within a profit making system.

Now lending by the Banks or distributing money by the government can somewhat mitigate the entropic nature of the economy, but as such private or governmental distributions either incur an additional flow of costs (lending) or go into the economy proper before they reach the individual as wages (governmental programs for infrastructure etc.) they necessarily maintain and re-initiate its naturally entropic condition.

Only direct Gifting to the individual and reciprocal Gifting by businesses to the consumer which is in turn Gifted back to merchants can actually resolve the entropically cost inflationary and individual income deflationary reality/condition of the economic system.