If you want to get wealth you need to change your beliefs of everything.
First is beliefs, If you think "little me who i am" then you never get any wealth.
90% of your reality results of your beliefs system, that's why it's easier for soneone who been around wealth and seen good things to imagine that he or she can have wealth too.
I’m not sure if what I understand here is the same idea you have shared, because the term virtual reality has several different meanings. If you are referring to our brains as virtual reality, then every person has a different perspective on what is actually wealth to him, for instance, my wealth is not something I can fully control, my desired wealth is the wellbeing, stability and happiness in my life. It’s enough for me to feel happy around certain people and my simple belongings.
The only thing that can ruin your dreams and destroy your hope in life might be an illness or losing a very close person in your life. In the other side, material possessions are replaceable and I believe that anyone with a good health, good mental is able to make his own fortune in this life to satisfy his family and needs.
Creating imaginary goal and expectations may ruin your virtual reality as well as your real world, whenever you feel unable to achieve that difficult or impossible goal, that’s why it’s better to enjoy a simple wealth, and not everyone with a big number of money is considered wealthy.