A big, tough samurai once went to see a little monk.
“Monk!”
He barked, in a voice accustomed to instant obedience.
“Teach me about heaven and hell!”
The monk looked up at the mighty warrior and replied with utter
disdain,
“Teach you about heaven and hell? I couldn’t teach you about anything.
You’re dumb. You’re dirty. You’re a disgrace, an embarrassment to the
samurai class. Get out of my sight. I can’t stand you.”
The samurai got furious. He shook, red in the face, speechless with
rage. He pulled out his sword, and prepared to slay the monk. Looking
straight into the samurai’s eyes, the monk said softly,
“That’s hell.”
The samurai froze, realizing the compassion of the monk who had risked
his life to show him hell! He put down his sword and fell to his
knees, filled with gratitude. The monk said softly,
“And that’s heaven.”
The Little Monk and the Samurai: A Zen Parable
But, let's have a look at the binaries you present
Are Heaven(s) and Hell(s):
literal vs metaphorical
real vs not real
actually existing vs fake/made up (implied)
verifiable vs not
psychological states vs physical
Now, what category is money? It has physical manifestations like paper or coins. It can be digital. Fiat currencies trade debt tokens, so it depends crucially on bookeeping of debts. Bank runs, show confidence in it is crucial. It's a medium of exchange, so barring inflation and so on, once the exchanges are finished the money transactions are no longer relevant. People want to hoard it. Is money real? Made-up? Physical? Psycological? Actual and verifiable?
It is an agreement, a collective fiction, that we have declared real - and it's control over our lives, is very real.
So be careful what binaries you assume. Is the self, real? When is a story 'real'?
For me the big danger of rushing to judge Buddhist and Indian cosmology as simply real or not-real, is in what kind of mind we listen to it with. Do we assume it was ignirant peasants struggling to make sense of the world? Or dedicated spiritual practicioners trying to connect insights to people of their time?
My favourite metaphor for dependent origination is Indra's Net, the net with a mani jewel of a mind at each junction. I interpret it also as a way to picture reality as a peer-to-peer network, with 'updates' about how to see the world passing through the network. So in this picture the hells and heavens can be real to people in the Buddhas time, and to be taken seriously and try to understand them as they describe them. We are more comfortable with switching between modes now, different kinds of story, different types of truth. But how we categorise, can often often have hidden implications, that seek to impose a view of the world we have already decided is correct. So the lesson I have learned from issues of Buddhist cosmology is, keep an open mind, keep listening for insights, don't rush to pass judgement.