To a hungry man, money is surely for survival. No poor man thinks of saving or investment with an empty stomach,to him what really matter is to fill his stomach. There goes the saying 'an hungry man is an angry man'.
To a Rich or average man, money is for luxury due to the fact that is stomach is filled up already, he can now think of investment, buying of cars, building of houses, traveling and every other luxury included
It all goes down to the personality of the person having the money. While there are people who are super rich but they are always calm and does not delight in luxuries. But you can also see someone who is not that wealthy but is ready to lavish the one he has on luxury.
There are people who will see the list $100 in their pocket, they will automatically lose appetite for home made foods. Some believe they may die any time and so, they need to eat their money while they are alive.