I agree with you OP.
There is nothing more depressing and stressful than worrying about money, particularly if you have kids.
I think Mumnet as a collective ,with many well heeled people ,have never really been on the bones of their arse doing the best they can but feeling like they are living half a life. So few will agree with you here.
So nany work hard for a pittance, never have holidays, never go to the theatre or out for a really good meal. Life can be sapped of a lot of enjoyment others just take for granted.
If you have a decent family and a couple of good genuine friends of course money could make you happy.
I for one could give up my draining full time job. I'd visit the countries I'd always wanted to go to. I'd make sure my parents were well looked after. No more worrying about having to sell their house to get care for a frail elderly mum if dad went first. The best healthcare.
Uni fees all paid for. Charity work. Choice.
I remember a psychologist on TV trying hard to persuade a single mum who had worked hard all her life that money would not buy her happiness. She was having none of it.
It's not so much material stuff. Although of course looking out of your window on to an acre of land and a pond would make you happier than looking out onto a gasworks and a busy motorway.
It's about waking up every morning with the worry gone. With boundless possibilities ahead.
We live in a country more divided than ever by wealth and poverty. We have food banks for God's sake.
Money helps make your life better. And if you are well off and start lecturing others that it doesnt its best you say nothing.