When someone said that Money is the root of all evil, it's absolutely wrong! They quoted the holy book with wrong reading. It simply says that "...LOVE OF MONEY is the root of all evil." It's in loving it and how people using it. I agree with you that money is a Tool to help and minister to other people.
Many people only say well-wishes and good things to people-in-need BUT when it comes to actual support -in giving time, they're no where to be found. That's the saddest part of the story.
So the problem actually of not practically loving others is: The lack of money.