I can never understand how people (in this case the OP) can't get how life works...
You want to do things
You need money to do things
Earn or borrow money
Do things
Pay back any money you borrowed
Grow old remembering the doing of many things
Almost anything in life that you want to do can be represented as money, say you spend a day walking in the countryside, it costs you any travel money to get there, the amount your boots/clothes wearing out, and crucially, the time that you're not spending earning more money.