I always look at this from a slightly different angle. I look at the unhappy millionaire and think that he must have problems that are a major burden on him. It doesn't matter what those problems are or what we as outsiders think of those problems; it's the fact that he's not able to overcome these problems that make him unhappy. The money is irrelevant, unless of course it is the source of his problems. On the other hand, I look at the happy poor guy and think that any problems he has are just not a burden on him. It's not that money doesn't really matter to him; it's that lack of money doesn't put a major burden on him.
I don't think we have a natural setting, I think we all treat difficulties in different ways and sometimes can't deal with the burden, no matter how good the other things in our life may be (including but not limited to having money).
I don't think we have a natural setting, I think we all treat difficulties in different ways and sometimes can't deal with the burden, no matter how good the other things in our life may be (including but not limited to having money).