An old MS-DOS game from the 90s called Solar Winds, by Epic Megagames. It was top down and you flew around battling spaceships and doing missions in space. I absolutely loved it as a kid. Pretty sure you can get it for free now.
Retaining some ability to spend and use cash is vital because otherwise, all our financial transactions are totally controlled by the banks, and they are completely untrustworthy. The cost is inconvenience.