Math is supposed to be a somewhat universal language, at least among people who have had some modest level of formal education. Conceptualizing money isn't something that requires specific vocabulary. It only requires the ability to know a bit about numbers.
This morning, I visited a local convenience store for a quick round of milk and bread shopping. An older gentleman in front of me struggled with his change purse and paid for his purchase. Since he seemed to have difficulties manipulating his change because of shakiness, I assumed he didn't offer up the proper change when the cashier handed back several of his coins and then gave him other change.
When my turn came along, the bill was 812 yen. I didn't want to get back a pile of coins so I put down 312 yen and a 1000 yen note. This would get me back just one 500 yen coin. The cashier gave me a sympathetic look which conveyed that she thought I didn't understand Japanese money or numbers and tried to hand me back my change. I had to insist she take the change and give me back a 500 yen coin. After this little exchange, I figured that the older man probably tried to do the same thing and she didn't understand what he wanted either, but he didn't push it.
My students love to go on about "joshiki" or "common sense" and this sort of way of conceptualizing money falls into that category in Western culture. In Japanese culture, the umbrella meaning of common sense also encompasses common knowledge in addition to common logical concepts. The vast majority of people I've encountered in Japan seem to possess both, but this morning I came across one who was lacking in at least one of those. I can only imagine how quickly she's going to run the shop out of small change if she doesn't get a clue.