If you were watching it as a standard crime thriller, then you really won't see a point to it, and you'll probably be extremely disappointed with the ending.
The point of the story (in my opinion) is that life can be unpredictable, unfair, and downright cruel. Moss is a down-on-his-luck average guy that thinks he's hit the jackpot when he finds that money, yet it ends up bringing extreme hardship to him, and ultimately his death. In contrast to that, Chigurh is a monster that goes around arbitrarily killing people based on coin tosses, yet he ends up with the money, and even despite the car accident (another unpredictable twist), he's given every opportunity to make a clean getaway, which he does.
It's even reflected in the way people treat them both. Moss is supposed to be a good guy, and yet he has to bribe that college kid with $500 to give him the jacket and beer when he was bloody, bruised, and clearly in need of help. In contrast, when Chigurh gets into the accident, the two kids that witness the wreck are extremely concerned for his well-being and offer to give him a shirt for free, even though he insists on paying.
Everything that shouldn't happen does. No one gets their just rewards.
And that's what so disturbs Tommy Lee Jones's character. He sees that brutality and injustice and realizes that he's a relic from another time, and that he can't deal with this new, twisted world.
That's my 2 cents on it. I thought it was pretty damn good...