Most people can do more and do better than they are now. To get them to requires incentive. Most of us desire to do better than we usually do. Our intentions are good, but many things clamor for our time and attention. We must face reality.
Money is necessary to exist and function in the world.
If we have a family, we have a desire, and an obligation, to take care of them. In today's fast-paced and fragmented society, time is at a premium. Even if people want to do more in the Kingdom of God, finding the time is difficult for them. Everyone has only a limited amount of time. We are all forced to make choices, because we cannot do everything.