I think it would be difficult to define how we are 'meant' to live as this implies the existence of a set of predetermined 'rules' or 'guidelines'. I would say, however, that we would probably be happier if money didn't exist.
And I do believe there are a set of rules/guidelines that we are to abide buy. I believe that the Bible has set up a lot of very awesome rules/guidelines for us to follow. If everyone were to live by the philosophies of the Bible, I think the world would be a better place. Haha, the Bible calls interest on loans one of the biggest sins.
There are some some reasonable guidelines in the bible, for sure. If people were to live by these, then I expect it would help us to get along. Some of its philosphies are totally unreasonable, however; to live life based on all of the bible's messages would be carnage! Interest free loans sound good, though! ;)
I've always believed that the Bible isn't about following Jesus per say, but listening to what he had to say and applying it to your life. Such as loving your neighbor as yourself, or not worrying about anything because God's gotcha covered. It's always very soothing going through the book of Romans. I would not be opposed!