When it comes to money, we all have different perspectives and opinions. So, in addition to the other points raised by the OP, I agree with him that we don't always have money. This is correct, and I agree.
Of course, no one can make money unless they take action, right? We can't make money sitting around doing nothing if we don't work on anything. We will not get any money until we act and discover a means to get it.
Yes, it takes effort and hard work to earn money. And because of this, money is very valuable. Because getting it requires hard work and time. And if we understand how hard it is to get money, then of course we also have to manage our finances so that they are better. We must not waste the money we have. We have to use it for useful things and not just for fun. But we work hard and earn money in the end to survive and also gain happiness. But money won't come by itself if we don't work to get it. And we can't work if we're sick. So at this point still health is more important than money. So everything has to be measured according to its portion. Work as hard as you can and don't force yourself.