Without a government, social contracts would spring up unto someone with more than another would have more to trade, but less to seek. They'll gain power over others and you will soon gain a government.

And money is another form of service for a service. How would you get food without trading for something? How would you trade for anything, without something?
You won't be able to, and the poor would die off. The middle class would slowly become poor, and die off. The rich would have everything, until they started drifting into wars to captures what others have.

If you are proposing anarchy, that is what you will get. If you are proposing a true form of communism, you will never get it. Humans are not ants, and never will be. And even ants are controlled by a leader.