Well we have different problem in life, some of the poor people might think that the wealthy people have less problems because they can eat what they want they have a lot of money to enjoy life and buy all thier needs, but the truth is they also have a problem, only fool can have no problem because they don't think about the future.
Every life is sure to have its own. So of problems and will not be the same. So, people who have money can be sure to have the same problems as those who do not have money, but the problems are always different and usually according to the circumstances of the person.
Now it remains whether they can solve the problem well. I agree that those who do not have problems are those who do not want to think, and usually those people are not worthy of being called smart.
It is true that everyone in living this life has different problems and it will certainly be in accordance with their ability to overcome these problems, because it is impossible for someone to have a problem if they do not have the ability to overcome these problems.
The problem for those who have a lot of money is certainly not the same as for those who have little money and we can see rich people who are always thinking about how to continue to accumulate wealth and also keep their wealth from being stolen by people, but for those who have little money, of course, they will always think about how to find money to be able to meet their needs.
Of all the problems faced by a person, of course, they will be able to make them better than before and rightly as you said, those who do not have problems certainly do not think and also do not want themselves to be better than they are now.