No I'm not new, and I regret to inform you that early game money can be the difference between survival in hardmode and quick painful death. Also mods make money even more worthwhile in the effect of being able to buy certain materials from added npcs. Just because you think money is worthless doesn't mean others don't have a different play style. Also reforging is expensive as hell, I've dropped close to 4 or 5 plat coins on a single weapon getting the perfect prefix (I have bad luck). So, Infinite Money is a bit helpful.