Everything is decided to be an 'abstraction' and it's someone else down the line that has to be concerned. Over the last 30 years of starting as a developer I've really lost faith that the majority are actually concerned with solving anything vs just indulging conceptual whims.
I think you're mixing up stuff that's unrelated to your concern.
The concerns you're expressing only apply to operations and financial transactions. That's not handled by spreadsheets, browsers, or databases. In fact, the primary concern of a browser is to provide views over data fed by servers.
In addition, it sounds like you're confusing minor conveniences with something being somehow broken by design. The reason why no one bothered to standardize a money type is the fact that there isn't a technical requirements for it at all.
Everything is decided to be an 'abstraction' and it's someone else down the line that has to be concerned. Over the last 30 years of starting as a developer I've really lost faith that the majority are actually concerned with solving anything vs just indulging conceptual whims.