Do you try to cure the common cold by using the best nose tissues money can buy? Of course not. Though tissues help with symptoms, to avoid a cold, you have to go after the root cause: exposure to the flu virus.
In the same way, when dealing with problems related to money, the root cause is more important than the symptoms of financial dysfunction. However, the biggest issue with a root cause is that while it may sound simple and basic, addressing it can be very difficult.