The difference between summing with し and て for states is that:
〜て implies it's just these things
優しくて、良くて、面白いから。 It's because he's gentle, nice, and interesting (and no other things)
お金もなくて、時間もない。
I don't have money, and I don't have time.
〜し implies there may be other things too
優しいし、良いし、面白いから。 It's because he's gentle, nice, and interesting (and potentially other things too)
お金もないし、時間もない。
not only do I not have money, I also don't have time.
お金もなかったり、時間もなかったりする。
I don't have time, money, or something else.