That also isn't true as long as you retain the ability to obtain money. Or just have rich friends you can mooch off of. Either one of those seem to work for a lot of people.

Now if nobody around you has any money, that might be an indication of a serious problem, but still in that case a little bit of economic knowledge can go a long way.

> retain the ability to obtain money

Still not the same as having no money.

I really don't know what you want me to say. If the problem actually is "no money" then there are many solutions to that. Whether you find them acceptable is a different story. But my point is that often that really isn't the core of the problem.