Imagine you suddenly had $100MM. You never have to work again and can do practically whatever you want. But most of us appreciate experiences with the company of others.

Who would you be able to spend time with? Most of your friends and family would still have to work. Of course, you could offer them to leave their jobs and give them money so they won't have to worry and they could spend time with you. But then it leads to the social feedback issue, so even those closest to you don't want to rock the boat.