It’s interesting how you describe seeing “how the other half live.” Sometimes stepping into that world for even a moment makes you realize two things at once, how nice comfort can feel, and how little it actually matters for happiness. You’re right: many wealthy people work extremely hard, others barely try, but in the end we all struggle with something. Money solves problems, but it doesn’t solve being human.
Perhaps at some point it will, when it is possible to buy AI implants to combat all the human flaws.