> I'd say "caring only about money" is the complete absence of ideology since it just chases personal benefits.

Chasing personal benefits is also an ideology! One in opposition to the ideology that suggests we ought to work for benefit of others as well as ourselves. As is the idea that people's "basic instincts" are to chase personal benefits is too. If you don't believe me, try hanging out with a small child (under 4) and see how selfless and generous they are.