Though one may be overpowered, two can defend themselves. A cord of three strands is not quickly broken. Ecclesiastes 4:12
It is cliché to say that times are tough. It is also true. Some of the more dire prognosticators foretell of economic collapse globally and complete devaluation of the dollar. Money only has the value we give it and it is a means of converting our effort, skills, toil, expertise and investments into a portable and broadly acceptable format in exchanges for products or services offered by others. That is all money is.
When money has no value, OR when we are unable to convert our personal resources into money, that is the definition of economic hard times at its most fundamental level. Therefore, we are obligated to find other means of using our personal resources (skills, talents, gifts, strengths, passions) to obtain things we need/want for life.