There's three types of people
1) You rely on a paycheck to live
2) Your passive income is enough to live
3) You are so wealthy you can influence the world
Someone working for a 40k a year payslip, or even a 200k a year payslip, is likely in group 1. Someone with 5 million net worth is comfortably in group 2 - even at 3% in a savings account gives them an income way above people earning from labor. Both of those groups are so divorced from those whose wealth increases 5 million a year, or 5 million a month that they're basically the same.
At some point it ceases to be about money and being able to afford the things you want, and becomes power to control others.