We should see money in terms of the expenditure of energy and how we are going to transmute that energy into a proper use.
People's creativity is very much alive, but when they get paid for their creativity, they often experience that as rather meaningless. Money as the reward for their creative process is very one-dimensional, a tremendous comedown.
My advice to you is not to undertake the spiritual path. It is too difficult, too long, and is too demanding. I suggest you ask for your money back, and go home. This is not a picnic. It is really going to ask everything of you. So, it is best not to begin. However, if you do begin, it is best to finish.