And If you not wealthy and never been then you should create in your "virtual reality" first your reality and If it's new thing then it will take longer to manifest but once it's manifested it's a kind of locked in your physical world real life reality.
Movies are great ways to prepare humans for new reality it takes few years to show them movies about new reality.
You actually made it more comples with the use of real world and virtual world, the main point here I think you want to make is, we should first set our goals, like if we don't wish or hope to have a good house, a good car, happy family and just think we will get it by time then we will not because if we not set our mind with hardwork then things just don't come to us by time we have to work for it.
This is just like the survival of the fittest if we are more fit and making more effort with more skills then we can have more luxuries but many people find peace with normal life too because they either gave up on chasing their dream luxuries or either they don't give any damn to them. I am one of the second one but I want to drive a car once haha as I still don't know how to drive one, and want to own one, and want to go abroad but never worked for it.