Yes, it is fundamentally different.
The fruits of labor are real and tangible, and exchangable for compensation of any kind, including the labor of another. The holding of money may or may not produce added value.
Balderdash. Most often the fruit of laborious is money. We could go back to trading only what we make, but if we ever really did it is an inferior system.
laborious = labor
“The holding of money may or may not produce added value”
The making or holding of anything may or may not produce added value.