The whole economy is going to crash and money won't be worth anything, so it won't matter if you have money or not.

Of course is a chance we will find ourselves in Utopia, but yeah, a chance.

Money buys real assets which will be worth something; AI can't magic up land or energy for instance. In fact AI is a dream for capital, and a nightmare for labor/work/human intelligence w.r.t value.

I don't think money will disappear as long as people need things, and the government is running. Money is congealed energy.

Money isnt' real. It's an abstract concept. There is no energy in money.

Yes, there is. The energy is obviously not in it physically, but in our agreement to work (use energy) in return for money. If something required no work on our part, we would not bother to pay for it.