Knowing is like having money. Understanding is like the ability to make money.
A common problem is that many people want to know without making the effort to understand, the same way they want to be rich without actually taking the responsibility for making money.
From a practical standpoint, at the end of the day, even if you have money it can disappear in a number of ways. But if you have the ability to make it, then you’re assured a measure of security by having this capability.
Which is why I’d say the ability to earn money is much more valuable than just having it. And why understanding is far more valuable than just having knowledge.
Naturally, having money is comfortable & convenient, but being able to earn it at will is really much more empowering. Similarly, knowing is comfortable & convenient, but understanding is what moves you through life successfully.