Hmm ... I have a possibility, but it's not the most elegant, so the other way would probably be preferable.
It is possible using the FieldName() function, but for that you have to first load the entire table (with an asterisk), then check the fieldname of the column where that monetary_value should be and if the fieldname is right,
then load the whole thing again including those fields
<=> otherwise load it all, using a fixed value for the missing fields to avoid structural assymetry lateron.
That would make the whole loop bigger. It is possible, though.