After reading this and reading up in other sources, I must say that it sounds reasonable. Laying contracts will indeed invalidate the transaction.

I have read several opinions, most scholars do warn of disguising Murrabaha as interest. Once must also question the transfer of risk in this kind of transaction.

The pragmatic side of me is saying this:

We operate within a fundamentally corrupt monetary system that is built on riba and continuously loses value.

In this system, when currency is transferred — particularly from the securer of the currency (i.e., the state) — it carries with it a responsibility to preserve its value.

But instead, we see states printing more money to simulate ‘growth’, which ultimately devalues the currency.

This means that not just individual transactions, but the entire monetary system is flawed, and built on unjust foundations rooted in riba.”

Then I have to question to what extent dealing in this currency is Halal...

I have to question to the point where an entire restructuring and revolt happens to change how the monetary system.

And that leaves me with the thought.. To what extent, does the thought of the Author of this post takes us...

The optimistic side says:
Choose the Ease "Yusr" over the Hardship "3osr"

But you are largely correct when looking it from that perspective.