Yachts and houses are boring. Can't you think of anything you'd rather do with your life than live in a house and go sailing? You can do that without money!

Yachts and houses are boring. Can't you think of anything you'd rather do with your life than live in a house and go sailing? You can do that without money! A million dollars is, roughly speaking, a person-year of dedicated professional services from a world-class professional of almost any profession. There are a few exceptions, like stockbrokers, surgeons, and some kinds of lawyers. But a billion dollars buys you, say, 1000 person-years of the best professionals. For millions of dollars, you could have your own vaccination program, your own particle accelerator, your own web browser, your own steel mill, your own religious cult, your own pyramid, your own AI research lab, your own permaculture experiment station, your own rare book collection (which you could digitize), and so on. That's leaving aside personal consumption of things like a diplomatic passport from a foreign country, a private doctor, a comfortable apartment in a former missile silo, and a helicopter to get to it with. Your yacht isn't going to do you much good if you get arrested in a foreign country on trumped-up charges because you unintentionally insulted the wrong guy's daughter, or if your cancer goes undiagnosed until stage 4.