Sure but my point wasn’t about people’s decision making-there are plenty of poor people who make stupid decisions and end up dead/jail and plenty of insanely rich people like Jeremy Epstein, Bill Cosby, Bernie Madoff, etc. etc. who have done the same.
Having strong values is definitely important but, by having money, you are granted the ability to not go down negative paths where money is the main attraction. How many people end up in jail for drug dealing or theft? Sadly a lot of these people are doing this because they are driven by the allure of money, without actually having much of it themselves. Hell, years ago, one of my old coworkers was a retired detective from Baltimore and he told me that the two reasons people commit 90% of crimes are to attain money or to attain sex.
In the US, even upper-middle class people are working 9-10 hour days easily. How many of those people absolutely love their jobs? Most are probably working those jobs because they have to feed themselves and their families. And these are higher paying jobs, I can’t even imagine what the dissatisfaction with low paying jobs is. Being rich literally makes these problems nonexistent because the freedom to work how you want to is suddenly a real possibility.