Money solves one problem - how to get people to do things that may be useful to others which they wouldn't otherwise do - but causes much worse problems in return.
The most obvious is money is such a riotously inefficient way to decide what is and isn't genuinely useful, especially collectively.
OSS doesn't really solve the usefulness problem. It's good at producing software that's appealing to people who like using and tinkering with OSS software - but no one else really cares unless it's handed to them inside a product which has been assembled to be useful. And even then it's about the product, not about a largely imaginary "freedom" which is inaccessible to most users because it specialised skills, advanced knowledge, and plenty of free time.
This doesn't make it useless, it just gives it a different domain to operate in. There's some overlap, but there are many potentially useful projects that don't happen because they don't appear inside either the commercial or the OSS circles.