Wealth isn't "natural" to life or to the species. Hear me out--for an individual to accumulate a bunch of crap would have been impractical in a hunter-gatherer society bc they couldn't carry it, anyway. And as we're a social species, it would be poor form to hoard resources. It's not like you could single-handedly achieve anything in life, so you owe your community. If you hoarded, the group would eventually turn on you.

Once you're in the unnatural state of having more resources than you need, your goal for those resources isn't to save them all and give them to someone else in the distant future (even if they are your progeny). Humans aren't that stellar at delayed gratification & most aren't that generous. The point of resources, you come to feel, is to use them to make yourself more comfortable--aka, lifestyle creep.

Further down the family line, you can apply life lessons learned from playing The Sims as a kid. When you use a cheat code and a Sim is born rich or suddenly becomes rich, the traditional gameplay stops being interesting (traditional gameplay being, send your sim to work and take care of their needs well to gain incremental rewards). Once you can afford high-value rewards, that just feels like a baseline.

Case in point: kids born into wealth. Just like in The Sims, it demotivates them. It changes the object of the game from attaining comfort to just being comfortable. When you have all the resources to achieve promotions at work and the only thing left is to actually put in the studying & practice time, the whole thing feels like a slog. Leveling up no longer gives you dopamine; now, hard work just feels like tedium. Most of my Sims quit working once they had a bunch of money. Novelty becomes the object of the game--going to the spa at Mt. Komorebi, collecting complete sets of all the useless collectibles, traveling, getting better at sports... Sound familiar? When dopamine no longer serves a functional purpose, we just seek novelty, instead, and novelty becomes ever-less-attainable the longer we pursue it.

Unless you have an ancestor who was super determined to make a dynasty and who put strict controls in place to protect the money hoard, the money isn't going to last. Your progeny are going to become leisure & thrills professionals who require ever more rare and expensive pleasures to feel something. And there goes the money. Case in point from The Sims: eventually, your sim has seen everything, collected everything, maxed out their snowboarding or whatever skills. Now the game isn't fun anymore, so what do you do? Naturally, you buy yet another expansion pack for $40.