Those "mere dollars" are the difference between a life of unfortunate circumstance and of fortunate privilege which should not be thrown aside. The theory of which you stated is a life of luxury to live in.
You're demonstrating my point. Wealth is measured by what isn't thought about. I don't think about the life-and-death decisions. I've reached that level of rich.
I guess I notice this because I can still remember planning how to make a $20 note last until payday while not being hungry at bedtime. It mostly involved thinly-spread peanut butter on slices of bread.