Ok sorry for the snide in that other comment. I think we’re talking slightly past one another. A society without banking or finance is a primitive one, but a society nonetheless. Now, all modern countries are advanced societies, but only current and former colonies started out that way.

I suppose the question comes down to whether the meme is talking about rebuilding complex society, or just society in general. You seem to be talking of the former, while I speak of the latter. I also think the meme was referring to the latter.

I’ll end by saying that while historical precedent is a very solid basis for how societies operate, I think it lacks imagination. Who knows what other ways there could be to build complex societies? I think that this is a powerful part of why people are fascinated with post-apocalyptic stories.