Without money, let the person have at least knowledge. Having no money, coupled with a lack of knowledge, is the worst thing someone can do to themselves. How will the person think of having economic growth in today's society when they don't have the knowledge to acquire and sustain wealth? Because you have to acquire wealth before you will be able to sustain it. Sustaining it means you have to have the knowledge to engage in other things that bring up yields.
Those with money spend so much of it on knowledgeable people, leaders accross the world hire intelligent people to help them make a better deal for the country to benefit the government. Knowledge helps with understanding, some people don't know what they know, their knowledge still have them stuck in a small growth level, had they acknowledge deeply the power behind their understanding of something they would have gone above the low growth rate surrounding their life or business.
These are the people who do not really like to enjoy their money, but rather they consider it better to make themselves successful and see themselves in peace with this money. Therefore, they put knowledge and such experiences in themselves that they can improve and strengthen themselves in the future, which will also make their business run very well. Although there are some of us who have misused money and except for money in their life, they have no peace and they do not have any business with which they can fulfill their desires, while they have already put their father's money in peace. That is why we have rarely seen the children of the rich who succeed in their lives by working hard and struggling and then enjoy peace with pleasure. Therefore, we should also work hard in the same way and gain knowledge for ourselves with our money so that the deficiency in us is filled.
Two kinds of people you're describing are not all that different from one another. Both of them are avoiding something. One with spending, one with accumulating. And that is difficult to say out loud. It is uncomfortable. We like to believe knowledge-seeking people are fundamentally different to hedonistic spenders. But sometimes "gaining knowledge" is just another form of being preoccupied enough to not sit with yourself. I've seen this. It's real.
Struggling matters. Not because suffering is noble or whatever. That's romanticizing it, but because problem solving is a skill. A muscle. And in order for the muscles to grow, they need resistance. Remove all the resistance and you get the softness. In the worst meaning of that word.
Self-awareness is what is real here. Not hard work. Not knowledge collection. Knowing what exactly is missing, what direction it's missing in. That particular type of honesty is far and away rarer and harder than simply "working hard". Most people would actually prefer to do twice the work rather than sit for twenty minutes in front of a mirror all alone.
