Money trees weren't all that complicated. Ever since humanity first expanded its biotech capabilities, there were people who wanted to realize their fantasies of growing money on trees.
There was no logical reason why coins should be produced in such a convoluted manner.
Modern coin minting machines were much more precise and consistent in their output!
Nonetheless, humans were creatures of emotions. There were enough wealthy individuals throughout history who were willing to splurge a substantial proportion of their net worth to obtain their own money trees!
It was through the efforts of all of these rich profligates that the science and bioengineering of money trees reached a high degree of development.
Even though they were only used as prestige objects that their owners could show off to their guests, the money trees had become remarkably more efficient after generations of development.
