Paper money

Is paper money haraam? I understand we are in a position where it would be difficult not to use it, however no-one can say it is impossible, especially when all sustenance comes from Allah. I understand that riba is condemned in the Quraan, even the taking of it and I understand the concept of money and it being monopolised in the hands of people who control resources(diamond, gold, oil..etc) and I understand paper money is a loan with interest added once spent; meaning the the value is ambivalent and due to inflation and the fluctuation of the value of money, the value of these notes are constantly changing. I worry that when we feel their is no other choice, we are not depending on Allah as much as we should and can and we are committing a grave sin. please enlighten me with your wisdom on this subject…Jazak’Allah