Precisely. And the problem is that experience does not map to reality in all situations. Thus Poor Brain. It leaves you physically unable to see the long term risk/benefit. Loan a friend $20, and Poor Brain will demand it be paid back over and over again, even if it's not crucial to their survival, even ruining the friendship over it. Rich brain never mentions it, and uses it indirectly as leverage in every possible situation, far outweighing the original value of the $20. Call it $10 or $1 or whatever is a trivial amount of money to even a poor person in your society. Having Rich Brain does not require you to not need the money, only that you understand how much more valuable not getting the money is. It's about understanding the value in your relationships with people and how that vastly outweighs your own skills/talents/ambition/resources.