Of course money is not an excuse not to live life but money open ways and makes living easier.
I must agree with you on the fact money should not be a reason to be inactive, but i like to disagree with you that "NOT DOING ENOUGH" is the reason for nonavailability of money. It not about doing more or doing enough its about doing it right.
Working hard does not translate to more riches but working smart does. So i will suggest learn more, get on your feet, and do better.
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When I said not doing enough, I was referring to those who gave up attempting after realizing that the lack of money was an obstacle in their path towards their goals. Rather than doing more, it's about persistent in exploring new ways to get the work done rather than to give up because there isn't enough money to do it.