First of all, who cares? We make money because we have goals beyond our individual lives.
And the adage is false to boot if you count the opportunity cost of time and effort. Achieving love, friendship, and health does demand some money (friends are acquired with gifts, Rabbi Bartenura “וקנה לך חבר”, wives must be supported, אסיא דמגן במגן…) and also much time and thought.
In that sense, the best things in life are emphatically NOT free.