Money is vital when you don't have it, but people arrive at this place for many other reasons, each of them no less valid than the other. Trying to fit them all into one generalization that makes sense to you is both understandable and misguided.
The belief that money fixes everything only lasts until you have it. Then either you just want more and more and it's never enough, or you realize that it is an empty pursuit, devoid of meaning or purpose without some other reason for living.
Some of us are born broken, and others are broken by the selfishness, greed, lies, cruelty and loneliness we have experienced. Money doesn't fix that. I would give everything I have in a heartbeat to be able to take back just a few of the decisions I've made.