A key turning point in Woz's life was when he crashed his Beechcraft Bonanza, fully loaded with friends and luggage, from a runway that was too short for the aircraft load and air temperature (high temperatures require longer takeoff rolls). Woz also wasn't rated for the aircraft, but I'm not sure that really made much difference, compared to the allegedly skipped weight & balance calculation, which if performed would likely have predicted the outcome.
This accident is said to have changed Woz's outlook on life, but when I knew him years earlier he already seemed very focused on worthwhile things, like excellent hardware designs and little interest in accumulating money, compared for example to Steve Jobs.
When I heard that Woz quit Apple to become a schoolteacher in a small California town, I though to myself there aren't words of praise sufficient to describe that choice. Still think so.
Significantly more than that, and you're a hoarder.
Years ago I lived on $40 per month, after building my own cabin in Oregon -- wood heat, kerosene lanterns. Then I bought an Apple II and things got more complicated (https://www.atariarchives.org/deli/cottage_computer_programm...). But basically I agree with you. Most people will never have that much, or need it.