Money is corruptible... a new holistic mode of transaction must take its place and will either porogressivley and steadily or, abruptly take hold; in the case people ignore the fact that money don't make the world go round, instead it drives it into the ground ...
there is no debate on this, people need to find ways of filling their lives with meaning and satisfaction which is less than 50% materially derived (this is the ideal) taking at least equal with what you give or less.
But the way things are at the moment it needs to change to more like 30 receive / 70 give ratio. . . the bright side is that part of giving can be to ones self not just others if you know how, things like growing your own veggies going camping and to the beach, playing a musical instrument etc.
Non religiously defined meditation or creative relaxation whatever you wanna call it, is a very easy way to sustain ones sanity without external props once you get the real hang of it, and it doesn't take a 15 years as a monk to achieve sound meditation skills either.
sure it costs fuel to go places for now, but if you can at least feed yourself without having more paid for food in your home than unpaid, then its going to be a lot easier to give more than you receive.
Those who have more money tend to use more resources and then complain that others are too unsuccessful (unhappy) so shouldn't use their money on cheap thrills Alcohol/drugs junk food etc and save but the rich do the same its just they spend on expensive thrills and then feel better happier whilst they are doing what they enjoy. But deep down there is no difference in mental state, when you take away the material distractions people are all the same and we all know that everyone is responsible for this world.
The Native American Quechoa Peoples have a saying that goes: if an individual fails or does something bad, the community all take the blame, recognising that they weren't attentive enough themselves at seeing the signs of alienation that the individual was experiencing or tending to their individualised needs...on the other hand when someone achieves or does something wonderful the whole community celebrates as though they have all achieved...there is no word in their language that denotes "I" only "we" indicating the sense of unity in the comm-unity