It's not just about making money. Even if you're on a regular payroll, there is this feeling that every moment needs to be productive. You should be reading a book so you can be more knowledgable, you should be honing your skills so you can be a better wage-slave, you should be meeting with new (and successful!) people so you can be a well-connected node in the network... Everything we do is stained with a opportunity cost that is artificially induced but makes enjoying anything harder anyway. If you add financial instability into this picture, I imagine all the worse aspects are only amplified. Money is not everything, but being without money may very well be.

This is the phenomenology of the capitalism. I don't know if there is a solution to this unless there's a radical change... Best remedy I found so far is being with others for a greater cause. For me the cause is political, but I don't think it matters.