It’s important to note that not everybody who’s after money wants to live a hedonistic life with it. Some people, either because of their personalities or upbringing, are really concerned about having “enough” put away to keep their family at a certain standard of living, or pay for something like college or health care. In the USA, you can easily get into a lot of debt if you become ill, or in connection with college costs, or in connection with the purchase of a home in some parts of the country (and it’s not always just feasible to pick up and move to a cheaper state).
My husband and I have always been overly concerned about being prepared for emergencies. Even though it’s possible that some “emergency” could wipe us out anyway, at least we’d have tried to be responsible. (Many others we know do not even try, and while in some cases there are valid excuses such as other life problems that these folks had to focus on overcoming, there are also a lot of people who are just irresponsible or living in the moment. ) There are spiritual pitfalls such as anxiety and lack of trust in God, as well as possible overconcentration on making and keeping money, associated with this mindset as well, but they’re different pitfalls from the person who wants to make a lot of money so he can live a pleasure-seeking lifestyle.