* If you're lucky enough to have had rich enough parents to not have to worry about money too much, yes, you'll probably optimize for doing things you enjoy, but people who spend a lot of their younger years with money issues will sometimes obsess about it and really focus their lives around 'getting rich'.*

I think you’re in the right ballpark, and I have seen it play out exactly that. However, I think it is even more common for rich kids to obsess about getting richer.

In my experience, as long as their needs are being met, most people get used to whatever lifestyle they are raised in, and stick with it. if they grew up in a family that chases wealth, and equates income with self worth, then they tend to keep doing that.