I strongly disagree with the statement that "Without money, the knowledge is a waste". Money can be obtained in various ways, not necessarily in the world of cryptocurrencies, and if you get funds, then you can skillfully use your knowledge. In my country there is a proverb: it is better to lose with a wise man than to find with a fool. I also follow this principle. If your knowledge and skills are really at the right level, you will find a way to earn money on it. If not, your level of knowledge may be lower than you think.
Although the statement "Without money, knowledge is a waste" is a provocative statement, it emphasizes the importance of resources in certain contexts. Knowledge's inherent value doesn't diminish with money, although money can enhance its practical application.
It is indeed emphasized the importance of resources but I believe the most important resource is knowledge because even without money, knowledge can enable us to establish a source where we can get money, and being knowledgeable, we will enable to establish not only one but more than one source of money thus making money not an issue for our future endeavors.
Having knowledge expands our understanding, enables personal growth, and contributes to society's advancement. Innovating, resolving problems, and creating are all possible when knowledge is shared, passed down from generation to generation, and utilized to solve problems. Even without immediate financial gain, knowledge can enrich our lives and the lives of others.
That greatly said, I agree that knowledge creates lots of possibilities and ways for us to improve ourselves, mentally, physically, spiritually, and financially. And it boils down to not agreeing that without money, knowledge is a waste. Only a clueless person will think that way.