Speaking to talkSPORT, Murphy said: “Man City have got one of the most expensive squads in the world.
“But money doesn't give you passion, energy, tactical awareness, the desire to get on the pitch and give everything.
“Some people say money motivates players, but no, a huge majority of the footballers I grew up with were players who would've played on the sundays and saturdays in the parks. People play football because they love it.
“So the money gives you an opportunity to get a good squad whatever level you're at, but you've still got to get those players to work together, to motivate them to do it every week, especially the very rich ones.
“So the manager, the staff, the togetherness Man City have shown for example, money doesn't create tactical awareness and passion.
“Bernardo Silva doesn't run around and give everything he's got and cover every inch of the pitch for money. It's a desire to be successful at whatever level you're at."