For me happiness lies in ourselves, have you ever seen people have a lot of money but they are miserable and have you seen people with mediocre money but live happily, I've seen two lives that are real.
Everything you say is the percentage theory that practices it very little, no matter how much money someone has, if they don't have principles, goals and how to use money it's the same as lying, life has a final goal, as well as shopping also has a goal, there is nothing wrong in my opinion someone has money to spend this and that for their pleasure, unless: the money is spent on illegal drugs and other things that are useless or self-destructive.
Money is not everything but all need money. But sometimes there are many rich people who cannot enjoy their own wealth, are unhappy with their own possessions. I agree with you, everything comes back to each other. Grateful for what we have, no matter how much money you have, if you can't use it properly, that's a lie. In fact, I see not a few people get hurt because of money problems. Some of my friends are rich and they always go to the casino to gamble spending their money with the aim of seeking pleasure, their way is not wrong but not right. Life will continue to spin, it will not always be on top, it would be better for us to use it for something more positive and can contribute to life.