A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
Different scales. Money is a simple -infiniti to +infiniti. Problems is a parabola that starts starts at +infiniti, approaches zero (without ever getting to zero) before returning to +infiniti when graphed against Money.
The people that coined this phrase clearly lived on the cusp of that return upward on this graph so their observation is limited to that subset.
No money may only be one problem, but it's a very big one.
C c c apitalizm
No money no problems means we have moved past a currency based economy and have achieved true enlightenment as a species.
Maybe next life...
More money = more problems.
No money/little money = problems
There will always be problems and money offers solutions to a lot of problems. So even if your problems grow, it's possible for your solutions to grow faster.
I do not see the “more problems” part on “more money”, you can always repurpose it or get rid of it until you are fine, doubt how that option would be problematic…
You need your basic needs to be met