They don't have money because of a number of factors.
One, they really have not shown a proclivity of the owners to spend beyond what they make. That's always been the case, even when the Red Sox spend like crazy, they can afford to do it because NESN is stupid profitable (or well, was), and they sold out their ballpark every night. Liverpool's revenues are decent, and they've made some money, but a lot of that has been offset by selling players successfully and developing some others for cheaper. At some point though, if you want to keep those top players, you have to pay them better wages. Their profit margin wasn't that great before this, and it won't be better now.
Two, much of Liverpool's potential increase in profits are tied into expanding both the ad revenue and the stadium profits. The first is uncertain, and the second is on hold, because they're not even sure they can have fans in the stands for a year plus. There's also less likely to see the lucrative tour money, advertising is drying up, and we don't even know if the TV deal is going to re-up for the same level. I mean, Liverpool's America tour is multiple millions, along with advertising stops and promotions along the way.
Three, while they're not buying players, there are talks that they're trying to tie down Alisson and Virgil to new lucrative contracts. All the front three have signed up, and now they're going to pay those two. Contracts and the extensions they've given costs a lot of their budget. It's not as easy as saying, well go get players, but if you're paying 50 million, and offering 140k, it has a domino effect on your roster. If I'm Mane, and I'm only making 120k (not sure what he makes), but Werner comes in for more than that, there's another contract that has to be reworked.
While it might not be for other clubs, for Liverpool, FFP is something they follow. Chelsea can easily float some debt because their owner plugs it in there as a loan. Liverpool don't want to do that.
Finally, I would argue they do have some money. I just think they don't want to go out and spend what they do have not knowing what the economic situation might be. What if TV revenue dries up? What if they get no matchday revenue for a year? What if their Nike deal, which was predicated on selling merchandise, ends up a loser because people just don't have cash to spend anymore? All of those factors are on the don't spend side, along with the biggest elephant in the room, which is they're already 25 points clear. They have depth all around the squad, including some young players, and less used players, who could come through and improve. They've also been very clear that they feel there's a value when they can do things, and they won't if they don't meet that. Maybe they've felt that the market is going to be cheaper. So why spend top dollar on Werner, if they feel they can get a deal when some of the mid level clubs who are in dire straights have to sell cheaper?