There are many levels between "pays for a vacation or two a year" and "billion dollars". I think most people just want to make a comfortable living (which includes eventual retirement) and not have to work themselves to the bone.

I think the bar has risen for what a comfortable life requires now. Housing costs have outpaced inflation for a couple of decades now. Health insurance has rocketed into the stratosphere, especially in states that dropped the Obamacare subsidies. Even staples like food and fuel are hard to keep up with. Lord help you if you have children and are trying to save for college. Projected costs for universities are getting to "buy a brand new luxury car every year" levels. Not to mention all of the school costs on top of that. It adds up so fast.

You can see it in the comments though. Many many many people who fall for get rich quick schemes, whether it's an app or saas or drop shipping or whatever genuinely want that billion dollars.

You can be comfortable on not very much money with realistic expectations while not working yourself to the bone was kind of my point.

Indeed, I'd just like to decouple my earning from the whims of corporate overlords who may decide at any moment that I am redundant. I have no serious ambitions to be a billionaire. For that dream I just buy a Powerball ticket once a year or so.