Because neither of those are going to change your daily life that much? It simplifies a thing or two, but neither of those things are life-changing.
There's a lot of people who can't even imagine ever being able to put down a deposit on a house or to send their kids to collage debt-free. With an amount of money like that you can go from being trapped in a rent hell forever to actually purchasing your own house. Or you can give your kids the education you want to give them. They are major, life changing impacts. Again, to describe it as "simplifes a thing or two" to me implies that you could do them even without this money in which case yeah, it changes very little.
You’re sounding very out of touch to be honest.