My dream was always to spend my golden years in a grass hut being nurtured by nubile young women, of course the older you get the more likely you'll need money to realize that dream.
Money is necessary so that the wise, frugal and hardworking have a way of providing for themselves and not being a financial burden
on others if they can help it. If a person was industrious enough to prepare themselves for old age that's good, even better if they voluntarily share their good fortune with others if they made a shitload of $ in their productive years.
I definitely agree with you that people do get too reliant on money for their happiness....excluding grass huts and scantily clad servant ladies bringing pleasure into an old man's final days of course. Sorry.....long winter , warm weather and grass huts on my mind.