Happiness is free, and money can't buy happiness. Is not everything that money will buy, but at the same time money is subjected to must happiness because money helps in buying what will make someone happy. But the word Happiness did depend on the amount of money one can control and spend it derives how happy the person is because at the same time if there is no money they will surely be no happiness.
Money and happiness are like 2 sides of a coin, both are different but complement each other, even though money can't buy happiness but money can complete happiness, it's impossible for us to be happy without money, especially since we live in an era where everything we have to pay for with money.
I like your analogy, it's true it's very difficult nowadays to live without money. Because almost everything costs money, money can't buy happiness,
but without money it's hard to find happiness. It means that in life we need both, as you said money will complete our happiness. So it's
no wonder nowadays almost everyone works hard in order to make a lot of money, it's all they goal in order to get happiness.