The concept and feeling of happiness are different for each person. Some people need yachts to be happy, while others are happy creating things with little income. Money is a way to survive, but not all wealth. People can be rich or consider themselves rich in a completely different sense. We often see people who have a lot of money, but their money does not bring them joy. They spend it on stupid things, every time expecting something unusual, and every time they feel emptiness in their souls. Therefore, yes, a lot in life depends on money, but this is what is needed only for existence. Human joy can be received for free.
However, majority of us now only become happy and joyful if they have gained a lot of money. Although not actually the biggest wealth for us, but it’s always been the highest necessity. Let’s admit it that no one can survive without the need of money, or if they will survive, they are unhealthy and not on their best version.
But I also agree on you when you say money is not the only one needed for existence. We need love, affection, and security not to be harmed, but still money will always be a big part for our existence.