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I, for one, love to think about having a lot of money that I can spend on fun things. I do, however, not love coming up with schemes all day to actually transfer that money from someone else's pocket to mine first.

People want the "end result" of making money (having money), not the "process" of making money.

Say you make a startup, you "make money" by working hard for 5 years, but you "have money" only when you exit in the end.

There's people that would be happy winning the lottery, and others that would be happier if they had worked for it.