If you need money to prioritize your desires, money is just a workaround for your lack of judgment. If you go this way: the things you really want are the ones that probably a lot of people want too. Then enters the offer/demand relation, and the price you have to pay for it is consequently not connected anymore with its cost. In the end, you pay much more.

I do agree we we need to think at the individual level first. I means we have to think out of social/collective convention during this first step. Money is one of it. Desire is not. Let's start with desire, then figure out what we can do with money?