This is a beautiful post; I couldn't agree with you more. We live in a culture where there is an insidious narrative about a false dichotomy between earned material and spiritual wealth.
On a related note, I read an article yesterday that you may find interesting about the "morality of moneylending":
https://www.theobjectivestandard.com/issues/2007-fall/morality-of-moneylending/
Totally agree, its a false conflict. I find that rich people are no less likely to be spiritual than poor people.