you're obviously economically totally illiterate, (like most, as the public is fed a steady diet of economic total lies by Wall St media), ), but i will answer your question. (which you probably don't really want answered).
take 2 scenarios, 1 a monopolistic situation, the other a competitive market situation.
1), monopoly seller,
you're stranded in the desert and out of water.
a guy approaches selling bottles of water, and he's the first person you've seen in 2 weeks, with no one else in sight.
you ask how much. he answers, how much you got.
you empty your pockets and come up with $100.
he says $100, take it or leave it.
obviously you fork over the $100, due to no other options.
2), competitive market,
same desert, same guy, again out of water.
instead of 1 guy selling bottles of water approaching, there are 8 selling water.
you say how much. if the guy says how much you got, you reply $100, and he says ok, $100, that no longer is the end of bargaining.
a 2nd vendor says i'll sell you a bottle for $90.
a third says $80, and so on.
in the end, the price in the competitive market will depend on how much was the cost of a bottle of water to the vendor, and what is the minimum profit they are willing to settle for to make it worth their while.
unlike in the monopoly market scenario, it makes no difference how much money you have on you, the price is determined by the cost of doing business and the competitive market, not by how much you have on you.
how much you can afford for the bottle of water, (money supply), only matters in the monopolistic market.
unfortunately, like oil, many of our industries have been monopolized, or effectively monopolized, and duopolies and oligopolies often to usually behave and price as monopolies. (like oil, real estate, etc).
price gouging by the monopolies and effective monopolies is the main driver of our current price escalation. (falsely portrayed as "inflation" by Wall St's corp media).