Hi Tim Denning,
Money is an invention of Humans and the purpose was to facilitate exchange of goods.The wealth is in the goods which can be used consumed and satiate the earthly needs of the physical body.
The belief system that created Money is something more than the physical body. People mistake it to be Brain but brain is the hardware and the software is what that created the value belief system.
Over generations the belief system got a little more skewed and instead of equating the required physical needs with the equivalent of money, Money per se started being valued. Now that the requirements were removed there was nothing to limit the value of money required.
Slowly Money became synonym to a basic need and the more you had it, it was affluence.
That is about Money :)
Looking forward to more advice from you about living happily.