I’d love to believe that, but isn’t your notion based entirely on having acquired enough wealth to have the luxury of deciding whether to blow the dough frivolously or share it out judiciously?
What about the concept of living on wages which don’t allow for that choice?
Or living paycheck to paycheck?
Or not keeping pace with the cost of living?
What if basic needs are compromised because debt-to-income is out of balance? Would Father Abraham agree that money would serve as an object (obstacle)which impacts the journey to self-actualization (e.g. rest suffers due to stress and working a two jobs; safety/security is at risk as the challenge of paying bills increases; esteem is shot)?