"And said unto them, It is written, My house shall be called the house of prayer; but ye have made it a den of thieves." Matthew 21:13
The money changers represent many things: dead religious practice, greed, compromise, insincere worship, fleshy work, etc. When a church does not pray, the "money changers" come in and "set up business". At that point it ceases to be about the One whose House it is and becomes about self and promoting our "business" instead of "His business".
Let me put this on a more personal level. The Bible says that every born again believer becomes the dwelling place of God- His temple, His house. So the result of prayerlessness that we are talking about in the physical church can take place in the "spiritual" church as well. (Just because you pray a quick prayer when you are in trouble, or spend ten minutes in prayer a day, does not constitute a prayer life.) If your life is prayer-less then the money changers will come in and set up "business" in your life. Without prayer you become selfish, greedy, compromising, offering up insincere worship, no praise comes from your lips, the joy is gone, the peace isn't there, confusion enters in and you are reduced to living by the dictates and desires of your own flesh.
When Jesus entered the temple, He drove the money changers out. It is time for you to start driving them out too. He gave us the answer as to how to do that--- "My house shall be called the house of prayer". Start praying again. Start setting aside time for prayer. Set up a prayer altar in your life. Go into your prayer closet. Make your life a "house of prayer" again.
Have a great day. Prayerlessness opens the door for the money changers to set up business.
For further reading:
Matthew 21:12,13; 6:5,6
Mark 11:15-17
1 Corinthians 3:16; 6:19