Why are there rich people?

Pittsburgh is set up to remain as close to how humans lived before the outbreak as possible. This included money, jewelry, and luxuries.

Unless you have something of value to people in a post apocalyptic world

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Money only has "value" because people give it such. It's a simple way to exchange things better than barter because we don't have to say, "I will give you these two chickens for one night with your wife" or "for those cans of beans or gas or whatever". Depending on the individuals items may seem more valuable or less valuable and haggling takes alot of time but if you can assign worth to a piece of paper and then give your item a value it becomes so simple to exchange things via these pieces of paper.

Personally, I would want to have weapons because then you can just take whatever you need. Your loaf of bread doesn't stand up against my machine gun if you see what I mean? But this is just a movie and will never happen in real life, right? So feel free to give up your guns.