Currency

[simonmark6]

In the case of ordinary civilians, I'd assume that they are still relying on barter. Most will be either growing their own food and trading surplus for whatever they can't grow or make or being paid in food and goods for their labour.
If they have a surplus they can't trade for something they need, they'll have to trade for something durable of value in the hope they can use it to buy something they need later. This might be ammunition, tools or whatever but they may just have to settle for a knock down price in gold and silver from the local merchant.
I don't see anyone recognising a currency that isn't backed locally by food, fuel or something else tangible. This is how the chit works in Krakow and I don't see it being that successful. Most people will work for food in hand rather than chits because the chit needs you to trust that the government actually has the food to redeem the vouchers. I can see inflation and deflation in the chit being so rampant and trade dependent that it wouldn't be trusted much.
It depends what you mean by trade I suppose.
If you mean day to day survival by civilians: just like most of history, it will be by barter of goods and services, even today that happens a lot although we are a lot more cash dependent. Most civilians won't be popping down to local shops to trade their francs, chits or bottle caps for goods, they'll either be redeeming them for food before a bad harvest cuts the dole or working food and goods in hand rather than relying on a shaky government.
Larger scale trade between merchants or richer people could still rely on gold and silver.
In many ways any government backed currency in early TK2 is effectively an additional tax as it will cost to exchange into whatever scrip is legal in the country. Like many taxes in low information environments, people will be avoiding them like the plague.