You can indeed find special circumstances where one or other of these is not essential. For example in a huge market with few players, then cash and competence will allow you to do exactly what the others players are doing and still get a share of the market. But, on the whole, all three are important. Cash is the fuel in the car. Competence is the engineering competence of the car.
Creativity is the driver's choice of destination.
Many organsiations claim that they are not short of ideas and have more than they can handle. Yet surveys show that the biggest barrier to innovation is simply lack of new ideas. There is always a need to choose and tailor the ideas that suit your organisation. Organisations need to set up an 'ideas liason office' to deal with idea sources.