Man made.

Money is a human creation. It has no value and is just a piece of paper when torn apart. And all it is is a piece of paper. But in my opinion, it does have a certain value depending on the situation. In today's world, it has a certain monetary value. But, given a situation where the necessity for fire outweighs almost all other necessities. This situation would most likely occur in post-apocalyptic scenarios, where fire means food, warmth, and protection. The money would then take value for its physical composition