My answer is relative to the current human condition. Everyone has the ability to be rich and/or wise. The only problem is we are too easily led so we get trapped and exploited by wiser and/or richer people.
In theory, the only way to avoid exploitation is to acquire abundant wisdom. With abundant wisdom I might one day realize that money is not important. For instance, What does it mean when two of the richest men in the world say that they plan to give away most of their wealth?
In reality, money is a way of life. The only wise way to avoid money is to go to the hills and live off nature. The choices break down to inclusion or exclusion and whether you want to make a deference in society or not.