A dark and moody conceptual art piece that captures the essence of money as a problem. The illustration features a sinister, shadowy figure made entirely of gold coins, with glowing red eyes and a menacing grin. The figure is surrounded by a dark, smoky atmosphere, with a city skyline visible in the distance. The cinematic lighting and visual effects create a sense of foreboding and tension, as if the problem of money is a monstrous force that cannot be escaped., conceptual art, dark fantasy, cinematic, illustration