I think when people get hung up thinking money is bad, it's really, as you've said, "greed" or addiction to money. (Maybe that's really an addiction to power?)
What you wrote reminded me of a section from one Steven Pressfield's books, Turning Pro:
The real utility of money is its convenience as a medium of exchange. If you and I have a goat in Smyrna, we don't have to carry the poor beast in our arms all the way to Aleppo to trade it for a carpet. We can sell the goat in Smyrna, stash a silver daric in our pocket, then take the daric to Aleppo to buy the carpet.
But when we're addicted to money, we become hooked on the metaphor. Is money how we keep score? Is it magic? Is wealth a currency that opens doors, realizes possibilities, produces transcendence? Money is second only to sex in the richness of its metaphor. But, as in the case of carnality, our real object is the currency of our own hearts. (The same premise applies to power, fame, and all other external expressions of potency.) What you and I are really seeking is our own voice, our own truth, our own authenticity.
Addicted to money