There are forms of Divine abundance that no money in the world can pay for. Divine abundance has a price tag, but it's spiritual. If a person prays profusely and does good deeds, he or she generates spiritual revenue that pays for a portion of the Divine abundance. Even though we must think that everything is a free gift from the Almighty, it's like a line of credit. What we use and don't pay for, we pay in the next world. What we use and do pay for, the credit remains for the next world.
Prayer generates Divine abundance. But sometimes it's not enough. Suffering, tribulation and disparagement – when accepted with emuna – are the tears that bring phenomenal treasures that we would not have attained under any other circumstance.