I don't think money is the problem. Sure, maybe when playing away at Hartlepool in the league cup on a freezing November evening then you might just go through the motions, but let's not forget that each and every one of those players is an England fan first and foremost. There is no greater honour than playing for your country, much less playing in a World Cup, so to think that none of those lads were hurting this morning isn't really fair. Apart from Rooney, Suarez is probably the best paid player on the pitch, but he seemed okay with it. Look at the Italians, or the Germans, or even the Brazilian team: They are ALL on mega bucks. Let's not even start with Ronaldo and Messi...
Money isn't the issue, it's poor management with no plan B, and a culture of fear. They are so terrified of losing that they won't commit, rather be branded lacking effort than being the guy on the back page for weeks because you made one tiny mistake.