In fact, the people that have 'fuck you' money (that I know) tend to be pretty rude to people that are simply trying to make their lives a little easier, such as people waiting tables or running a store. You can instantly tell from the way they treat those 'below' them in stature (if there is such a thing anyway, my grandmother used to say about such people that they smell just the same on the toilet) whether they're nice or not.
As a rule, if people are rude to others that are in a 'lesser' position to them then you can do without them just fine.