The construction لَا يَنْفَعُ فِيهِ إِلَّا الدِّينَارُ وَالدِّرْهَمُ negates broadly and then introduces an exception. It forcefully portrays a materialistic climate; it does not mean faith, learning, and ethics truly become worthless.
For example, an organization may honor only donors while overlooking committed teachers and people serving those in need. Its sense of worth has become distorted.
Lawful earning, budgeting, and saving remain beneficial. The problem begins when money displaces justice and trust.