Money has a huge affect, up to the point that your needs are met. Yes, if your needs are met, and you have time to pursue things you enjoy, you do that, but first, your needs must be met.
If I didn't require an income to cover a family of five, I would be retired, and doing whatever it is that I love at any moment. But instead, I work for a living, for money, to meet our needs.
Thus widespread availability of "labor of love" open source software, and the relative crappiness of a lot of commercial software.