> Wealth like this sounds great to those not that wealthy

It’s also great to the wealthy. Speaking as someone moderately wealthy myself.

Not having to worry about day to day bills, being able to splurge on friends and family for a celebration or when they have an emergency, being able to travel to see things because you read about it in a book and want to check it out, not caring about your credit score and being able to single-handed direct non-profit efforts to achieve civic outcomes they’d otherwise have to spend months fundraising for, all of these are tremendously rewarding. I agree that once folks get into the billionaire bucket there seems to be a negative return on wealth. But going from having to think about the mortgage to not is a major step up in quality of life, and it’s something of a sour-grapes middle class myth that I also grew up with which preaches that wealth isn’t actually all that, hard work is the reward yada yada.