Money is actually an IOU for human labor; when you have a lot of money, it means that other people owe you a lot of labor.
Since other humans owe you a lot of labor, whether you can redeem the goods and services you want depends on two factor…
How to make the most of your time is the weak point; how to enjoy life with high quality is what's truly lacking.
If you observe the underlying logic of all human behavior, it boils down to this: most people are selling their time, while a few are truly enjoying themselves. The only reason a few can acquire the time of the many is that the game you created is also enjoyable to others.