Bl--dy good post. More should read and comprehend enough to actually contemplate their relationships, with labour (sweat and tiredness), with out-thinking thought systems (whatever brain-work), and the barter¿, money, kudos or other. Money has worth beyond the sweat, or beneath the sweat, so some Things are inexpensive or expensive. The value of anything is totally dependant on one's perceived need. So, another viewpoint is what is luxury, necessary, or immediate need.
Money therefore is an agreed upon exchange rate, and as forex shows, it can fluctuate with great volatility in value or worth (again, viewing point).
Me, ive never really worried about it. If its there, i usually find something it becomes necessary for. If it's not there, then there is some other way, not requiring it. I have set goals; a wish to visit friends overseas. The costs work backwards, from the end result. Then i go forward unworried and life provides the opportunities to gather the fees or provides opportunitues to reduce the costs in particular places or means. To worry, is self-defeating. Money as an exchange works for you, whether you have it, or whether you have it not, when it becomes an incentive to find a means whereby it arrives in time or becomes unnecessary to that point.
Umm, i hope that makes sense.
Keep on keeping on 😇