Tough question. And I cannot specifically answer your question directly, but similar usage follows.
For want of a nail the shoe was lost, for want of a shoe the horse was lost; and for want of a horse the rider was lost; being overtaken and slain by the enemy, all for want of care about a horse-shoe nail. - Poor Richard's Almanac
In English, we often substitute the question "Why?" with "What for?"
"I'd like to borrow a dollar from you."
"Why?" or "What for?" may be asked in response.
"Why (what for") was the horse lost?"
"For want of a nail, the horse was lost."
https://www.englishforums.com/English/WereItNotFor/jwzbv/post.htm
"If it were not for the fact that I have enough money, I would be unable . . ." Basically what you are saying is that you do have enough, but wish to make an observation about a consequence if the situation were the reverse.
The main clause as I phrase it is cumbersome. You could certainly shorten it to "If it were not that I have enough . . ." You can also use a noun phrase, as in "If it were not for my large bank account . . . ," or a gerundive phrase, as in "If it were not for having lots of money, . . . ."