Money is a tool.
Lets say you had 1000 miles of 1/8″ nylon rope. More rope than you would need in a lifetime. If you needed a stronger rope, you could braid the rope you had to create a stronger rope. OR, you could buy 1000 miles of 1/4″ nylon rope and not have to spend time and effort braiding the rope you already had.
Now lets say you want rope in different thicknesses, different lengths, different materials. All of this would take money.
So no matter how many ropes or tools you have available, there is always a need and desire for more, especially as you find new uses for rope - shoes, hammocks, bridges, entertainment, etc.
Money is simply a tool to acquire the tools and things you want. Such as rope.