It’s a bit of a tangent, but it’s also a good showing of mindset understanding. When the game Phantasy Star Online 2 was released in the “West” a few years ago, I played it with many friends. One of those friends became obsessed with accumulating in game currency and made it a goal. Many months later and enough real money spent to be life changing and not in the good way, they accomplished the goal of 1 billion currency. I wasn’t directly involved in anything dealing with that situation, but I had heard they had made it.

Not knowing the gossip had been spread around, that player asked me what I would do if I ever had 1 billion myself. The answer I gave was that I’d stop playing the game. I do not save money in the game long term. It’s there to be used (usually on market cosmetics so my character can wear a fancy hat)… but if I ever got the point where I had saved 1 billion, that would mean that the smaller goals of things I wanted to grab would be extinguished, and while being fashionable isn’t the main draw of the game, it is a major point for me. They responded with a bit of an “oh” and left. I don’t know what ever happened to that player, but I do hope they recovered from their billionaire curse.

Unless it’s a lump sum lottery type situation, I don’t think most people would ever save enough even if they had the means to do so to have a billion dollars. The only way it happens is when the goal is focused purely on “make money” with no actual goal for that money.