It really doesn't come down to cash...
It comes down to people spending their time and effort, and seeing nothing come of it in their lives.
If you work all day, and at the end of the day you have not fed yourself, or housed yourself, or improved your life in some way, then how many days can you possibly sustain such efforts?
We need to have a level of economic activity that is large enough to support a good lifestyle, with enough left over to do more. As it is, in order just to pretend to maintain our current lifestyle, we have to borrow the wealth of others, with a promise to someday pay back.
We are a long way off from even working enough to maintain our own lifestyle.