Why does it take money to serve in those capacities; or better asked, how much money does it take to hold those positions?
Are you saying that ability and time to do the job are insufficient qualification? That the primary qualification is financial?
If that's the case, and you lack the money, then your political problem is easily resolved - you aren't qualified. That doesn't mean you can't educate others.
-- Please help me to understand what it is that I am to do... --
Your family has priority. Don't gamble money you can't afford to lose on politics.
YES! It costs money to be a member of the local Republican Executive Committee. I was willing to “donate” money and, more affordably, my time. However, when the “powers-that-be” decided how much I should “donate” to be a member of the committee, I basically “threw in the towel”.