The human pursuit of gathering wealth ultimately loses its meaning when faced with the finality of life. Material riches, no matter how vast, hold no value on the day of death, as they have no power to change the decree of mortality or grant a person extra time to live.
The primary approach among commentators is that wealth is entirely powerless against death. A person cannot use his money to save someone else, not even his closest relative, his own brother [רד״ק, ביאור שטיינזלץ, מצודת דוד]. No man has the ability to buy his brother's freedom from the grave [אבן עזרא]. Furthermore, just as an individual cannot rescue his brother from the hand of God, he is equally unable to pay a ransom to save his own life [מאירי, מצודת דוד]. He cannot offer God any payment in exchange for his soul [מצודת ציון]. The reason for this absolute limitation is that the value of life and the human soul is infinitely greater than all the money in the world. Consequently, a person is forced to forever abandon the hopeless attempt to purchase life with wealth [רש״י, אבן עזרא].
Offering a different perspective, some understand this concept as a rhetorical question. If a person were to see his brother in trouble or held captive, would he not use his money to free him? Even if there were a cruel individual unwilling to spend money to save his brother, would that same person not gladly surrender all his property to God as a ransom to save his own life from death? The obvious answer is that any person would give everything he owns to preserve his life. This leads to a moral argument. If someone is willing to give up all his material possessions for the sake of his temporary physical body, he certainly must care for his eternal soul. The soul is the true essence of a human being, while the body serves merely as its temporary clothing [אלשיך, מלבי״ם].
Another layer of meaning applies these ideas to the practical laws regarding the redemption of captives. The limitation on saving a relative alludes to the legal ruling that captives should not be ransomed for an amount that exceeds their standard value, even if the captive is a sibling. However, this restriction applies only in ordinary situations. If the captive is an exceptional Torah scholar or is facing an immediate threat to his life, the rule changes entirely, and he must be ransomed for whatever amount of money is demanded [חומת אנך].