Rich people also do not keep a lot of money in the bank, their money works in their investments and their businesses, this can be called real wealth, when your money works and brings income. And fake wealth is when a person has a big house, beautiful cars and many other material values, but all this does not belong to them but is in a mortgage and they can lose it all at any time.
There is a lot of wisdom in that, basically you hit the nail on the head with many things, in investments and money when it moves with business it is obvious that it will always generate more money, it will generate employment and that is what really gives rise to your economy to grow one year, if you do things like that, when a person pretends to be what he is not, and gets luxurious houses and the latest model cars, there will come a time when if he does not work he will make money , then it would become his guillotine, because he will have to sell everything to be able to pay his taxes and the expenses that having those luxuries entails.