These situations already occur within cockshotts system and it doesn't make them commodities.
For example, if there's suddenly less sales of a certain shirt for whatever reason. First the shopkeeper lowers the labor price of the shirt which simultaneously sends a signal back to the production line to lower production. But if absolutely no more shirts are sold, then there's going to be a waste of shorts and a debt that society at large has to take on to cover. The production in the meantime is switched to something else, but the workers in that sector don't themselves take on the loss of labor, they're still given their notes for the work that turned out to not be needed.
So in the same way, if you give smaller entities access to credit and its just lost, the loss can be mitigated at various levels before the society wide one. individual, group, city, county, state, etc..
An hour of labor would remain an hour of labor, its just that a few, instead of everyone, would be responsible for allocating their labor unproductively. Which allows for faster and greater fluidity at these lower levels, not having to wait until everyone in the entire society agreed to include it into the grand plan.
For anyone familiar you are with military doctrines, there's a similar debate on how much top-down micromanaging should happen versus freedom to deviate at the lower levels where officers would be more aware of opportunities that need immediate decisions.