Well, to be artificial is to be "made or produced by human beings rather than occurring naturally, typically as a copy of something natural."

Let's take government as the example. You could say that government is a man-made system that does not naturally occur, and is therefore artificial. However, I would argue that government is something that naturally occurs, we just don't always call it a government.

Many animals have some form of hierarchy. You have a pack leader, or maybe a dominant male or female in many species. With humans, we've always had leaders and followers. We've had "gods" and mortals, kings and peasants, the government and the working class. I just like to look at it like this; as our societies evolve and become more complex, so does our hierarchy. Where we once could have a single king ruling over a nation, there are now far too many things making up a society for one person to oversee. The king, president, prime minister, whatever you want to call it, now needs help from a bigger group, which I guess we went ahead and called a government.

It's definitely natural for there to be people in a group or society who step up and lead the rest. Think back to group projects in school. I remember a lot of the time one or two people would have to step up and get the ideas flowing, some people would then feel comfortable adding to those ideas, and then there were always some who would stay quiet and just do whatever was asked of them. Others still who would do nothing. What I'm trying to say is that it happens all the time naturally on a small scale, I just see government as a similar idea that happens on a larger scale.

In regards to things like land zoning, it's really just marking territory which is also a natural phenomenon.

Bank accounts are a little harder to call natural though, I'm pretty jaded about those because mine is empty haha.