That isn't the biggest problem with money, not by a long shot.
Bernie Sanders sums it up very nicely what the real problem is.
The problem is that to get noticed at all you need a massive budget. To get that budget you have to pander to wealthy donors, big corporations, superpacs, special interests and lobby groups.
To get them to pay you, you have to make promises - most notably about the things you will NOT talk about and NOT address.
Yes sometimes the best funded candidates still lose, but in most cases the lobbyists paid BOTH the major candidates a fortune. They don't care who WINS - they bought the results they wanted. They bet on BOTH outcomes and they win no matter what and the population at large loses.
This is why normal welfare gets cut but corporate welfare never does - even when it is ten times the normal welfare. This is why Detroit is basically stealing the pension plans government workers paid into all those years even though their corporate welfare expenses in just ONE MONTH could eradicate their debts and that same welfare over a year could pay those expenses a hundred times over ! It's not like they can say "we need incentives to keep businesses in our state" - clearly those incentives are not working, the businesses are just using detroit as a money-making machine and still employing from elsewhere.
The same pattern happens all over.
Climate change is an interesting case as it appears that the two parties genuinely diverge there - but clearly not enough for anything meaningful to happen, in fact just enough to make me think that the only reason democrats speak in support of, you know, evidence-based science is because that way they can get lobby money from the greens, environmentalists and renewable energy companies while STILL taking lobby money from the oil companies to never actually DO anything about it and blame the republicans for it.
So in the end US elections end up being decided by things like "pro-life or pro-choice" even though there is no way the pro-life people can actually get a pro-life law passed as it's been ruled unconstitutional. So it's an utterly meaningless debate and the only nasty side effect is a crapload of laws at the state level to make abortions harder to get (which just annoys women and goes flat out against the supposed republican credo of staying out of your personal life). They get decided on things like "do you support gay marriage" - which should be a non-discussion point of "duh it's the 21st century, who you marry is none of our business - marry the same sex, marry 5 different people - as long as it's all done with proper consenting adults we don't care".
While real issues like the NSA spying barely get mentioned in the debates and the biggest issues of all never get mentioned at all. Nobody debates cuts to corporate welfare (Which even libertarians claim to oppose - although all the wealthy lobbyists who claim to be libertarians are massive recipients of this thing they claim to oppose).
A million tiny things determine the elections - things that are truly and utterly unimportant while things that actually matter never get discussed.