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.
Aside from medical reasons, I never found "need" for money is that much. I can survive in a small cabin if I have to, as long as I have my pc and I have my internet. I need basic needs, food, clothing, my pc, a good speed internet, a toilet, a bedroom, that's basically about it if I am not missing something. I never cared about luxury clothing, latest technological stuff like phones that are thousands, or going to concerts and what not, basically nothing big.
One thing I have no say in is medical bills, I can't really decide on those, if I get sick, I have to go to doctors and they have to fix me and I have to accept what they say, so that part is not what I can control. But aside from that, I can live with under a thousand dollars easily. Not everyone is like this, my spouse isn't neither, and you just learn poverty or wealth is not a stress or anxiety reason, never should be, health is the most important thing, I rather be fully healthy and poor, than rich and sick.