They’re not saying it isn’t real, just that it being made up doesn’t matter.
That suffering isn’t because of a lack of money, though. It’s because of a lack of means to secure the things you need. You would not suffer from a lack of money in a world where everything was free.
The social construct is the idea of currency: a physical (or digital) representation of value for the purpose of trading, but it has no inherent purpose or meaning if you remove it from the society that constructed it.
But what that money represents is a resource. All beings on earth need resources. Whether it’s money to pay for medicine or berries to eat in the forest or water to drink in the desert, everyone has resources they need and must manage for survival. The social construct are the layers of abstraction added between you and how you secure the resource. With no social constructs, you gotta go hunt your dinner. With them, you can buy it.