When did money isn't everything?

Money is an asset, you can't live without money. Before the government issued USD, you can live without fiat since at that time assets were gold, garden, house etc. But after the government issued USD, people need to have fiat to live because it's the only currency that accepted by everyone.

Yeah, you must be rich or at least someone who don't have to think about your financial conditions, that's why you can say like that.