"Having a few million dollars (2-5), a nice home, garden and all is more than one can want. The issue is, what do you do with the excess? How do you use it?"

No. It seems like you're  saying "all one should" want. Depending on location, lifestyle, children and how close the people in that scenario are to retirement; they may not even be financially secure.
That is nowhere near the aspirations I have for my life.

Do I hope that a person of intelligence, wealth and means decides to put those resources to "a greater good"? Yes, but they are not obligated to and should not be. I do feel obligated, compelled, driven to participate and contribute to causes that I find to be the "greater good" and I also do my best to understand that what I may consider to be "a greater good" is only my opinion and my duty to carry out as I see fit; no one else's . I am not a person of means, I have no formal education nor do I posses a brilliant mind but I have an unusual set of life experiences (as most do) that have educated me and presented me with certain beliefs, knowledge and perspectives.

I don't think that "greed is good" but it has it's place and it is far from the only force here.
I also feel that we are failing while other people are failing. Some brilliant person said "no one is free until we are all free" I believe that to my core.
So those with abundance are free to do with it what they will, and those of us that don't believe that way should be thankful that they are taking care of themselves and continue to reach out beyond ourselves and encourage others to the same.