You are right, and this is the reason why a wise person would barely settle down with what they have because they would know it wouldn't be enough unless they have accumulated a lot of it or they want to live a simple life without any luxuries or enjoyments and knows he wouldn't need a lot of money to enjoy their life until they leave this world.

If someone has about 20 Bitcoin or money equivalent to it, they would start investing some of it, maybe start some businesses that they know would grow and provide them some revenue in the future that they can use, some people would invest all of it because you can make more money with money and it is all about how you use the money you have.