Ants have an economy which is massively simpler than that of monetized humans. It is also massively less adaptable than is a human economy. Their interactions are hardcoded into their DNA, optimized for an environment that has persisted for many 10s of thousands of years without a lot of change because that's as fast as their DNA and natural selection can adapt. Cells also, nonmonetized, have a hardcoded "economy." Human adaptability exists outside this cellular economy. This is why humans who live in cold environments, for example, buy clothes and wear them instead of having grown blubber and/or fur. Ancient humans did not have money. They had much simpler economies with a tiny tiny fraction of the total productivity of monetized humans.