We have found out, it's just that the people who do the finding out generally have money, so their opinion is automatically discounted.

It's a bit like forever single people getting so lost in the ideas of a relationship, intimacy. That everything will be great once they have someone, once they have connection, that life will be amazing and nothing else will matter. Their life sucks because they don't have a relationship. People in relationships don't know what it's like and their opinion is invalid.

Then they get in a relationship and learn that it's actually comparatively banal and requires a lot of work and compromise, and definitely was not the insanely-built-up-over-many-years-magical-life-cure-all.

There are -endless- stories of people who made it rich early on, retired, and ended up in a mental health crisis despite having everything. That fact should be taken as a reality check to calibrate your own perceptions.

Two things here:

I have no data either way but I can imagine that there are many more people who are wealthy and quietly having a great time with it. Most of the retired people I've known, early or not, also enjoyed it. Some have definitely taken up work-like pursuits on their own terms.

Secondly the wealth being the means to achieve this is itself a confounding variable. I don't think it's good for your mind or soul to "have everything," no. Life isn't and shouldn't be merely a series of your own preferences. That doesn't indicate to me that lacking confidence in your mere survival is necessary for human thriving. As far as I know research indicates the opposite.