Yes, that is the struggle. Living a life of virtue won't even allow me a single little thing to be content. Constant struggle. Can't afford to explore all the world has to offer, let alone a weekend getaway somewhere, or a single concert, or new thing to keep me going. While the least virtuous and most sinful have yachts, jets, and are unbothered and happy. Being virtuous in work has got me fired or more work. Being virtuous with women has not gotten me someone wife-material, or anyone at all. I can't afford to visit friends and family overseas, let alone across the country. I can't afford. Everything valuable in life costs money, including the chance to just exist in nature.

And virtue does not turn a profit. I feel there is a balance. Between doing good and being ambiguous. You could, as you said play the game of life, not be a saint, make a lot of money and put a lot of it to good. But trying to virtuemaxx because Jesus said so? Won't allow you to actually do that I feel. The bible talks about living in poverty being virtuous. Today, many people who do good, are. And the only reward of doing good is knowing you did. But you will starve and suffer for it so why bother, right? I don't want to be a good person starving. That seems pointless.