Money is not everything but it's an important part.
There could be enormous differences between everything of a system and part of a system. Money can be either one of these but it is purely up to the gambler.
If you have money but you don't have skills and luck, you won't earn any money but if you have skills but not money, you can not earn profits neither.
But many people are into gambling even they are not ready to spend anything for it. Literally they do not have money, having limited skills and not sure about their luck factor but having a satisfying gambling activities. I guess they are enough witness to prove money is not everything in gambling.