I just change the skin of "money" per the civ theme, and give tribals about 3 "goods" each to simplify things. I like to focus less on "what money system is used" and more on "How does the used money reflect the geopolitical, economic, pragmatic and idealistic elements of the society or culture that uses that money system.
My Egyptian area uses Tuns, which are stained glass coins that are thick, durable and polished smooth. One side has the letter "Ah" (the first letter, also the name of the sun) and the other "Luh" (pronounced Looh, which is the moon and second letter). The money of this culture defined many characteristics about them. They worship the sun/moon directly, they have an intricate glassblowing economy that monetized sand (as some foreigners snarl). The kind of money you use defines a lot about your culture in and of itself.
In my greek/roman type area, I gave them formal banking and banknotes, 80% of their economy is based on credit. They operate as a collective of autonomous merchant city-states. They produce almost nothing but due to their geographic location, they were able to tax, tariff, and extort their way into vast sums of the currencies of many nations, sprawled out thinly enough that no single place has all the money, leaving no "target". Their geography defined money as their only method and they became masters of it.
In my Maori Island area, the people have high quality blackpowder, giant turtle eggs, and rare pigments. They want timber, which is the main thing they lack. They use friendly dolphins and giant tortoises to get around the islands because they don't have boats because they lack timber historically, to have experimented with shipbuilding. They are Animistic. They worship dolphins, and turtles. Their favorite holiday involves painting turtle eggs for scavenger hunts. They also value delicacy as a social value, which is reflected in their colorful egg art. They acknowledge the spirit of water, the spirit of sky. They believe in expression of anger through storms. I took the primary food, trade good, travel method, religion and unified them. So they have no "use" for money, but that is okay. They "use as money" something else which is useful and consumable.