Money is life force in a quantifiable form. We literally trade life for money. If you have a drive to accomplish something greater than you alone could accomplish in a lifetime, then you need to amass capital so you can buy other peoples time and energy.
This. When people act like money is worthless after $X, I think of Musk and Bezos pushing us towards space. I'm sure they both spend plenty of cash on useless shit that doesn't improve their lives at all, but if they only had $10 million each then nobody would landing large reusable rockets right now.