Yes, money is important. We all need money. But if you have friends and your health you can get by with surprisingly little material wealth. (Of course, with money more is generally better than less)
Surprisingly - yes, some of us have little or no family. I’m in my 50’s and I’m down to just one living sibling, a niece, and a nephew (I do have a nephew #2, but he suffered a severe brain injury and will never be able to live independently and care for himself, much less an aging aunt). I know people who genuinely have no living relatives.
Of course, this gets back to “make friends, get out” - if you don’t have blood relatives then make friends and create a family that way.
Assisted living and/or in home care only goes so far. They’re helpful, but assisted living can severely crimp your ability to get out and have a social life (of course, being feeble enough to require assisted living can do that, too). In home care can be terribly expensive (and there’s another reason why more money is better than less money) and doesn’t take the place of a social life.
In actual fact, most of my older friends employ a patchwork of things - some get in-home help with chores. Some need someone to do the driving for them now. A person might not be able to drive, but able to maintain their home. Or they can drive, but due to mobility issues and frailty need a handyman type to help with the home. Having a network of friends helps immensely with this - somebody will know somebody who can do this, that or the other thing, or has navigated a social service to get something, and so forth. Which is why “make friends, get out” is just as important as having lots of money. And if you don’t have lots of money it’s even more important.
Being in my 50’s I feel I can say I’m middle aged - being newly single, and the reason for it, has been stressful. But since I’m not in a frame of mind for “romantic attachments” lack of dating opportunities isn’t worry at the moment. I do have more time for my own interests, although I miss having someone to share some of those things with.