On your deathbed, are you going to regret not making more money? If your basic needs have been met and your children have been well educated and aren't starving, then the answer is probably no.
But many of us will regret not spending more time with our loved ones, or not leaving something of value behind, something we created.
The truth is many of us aren't doing this for the money, because let's be honest, most of us have an IQ over average and we could work in the finance industry, which is far more lucrative for making actual money. Or we could build a local business selling products or services for local needs, not "disrupting" anything in the process. Or we could end up in upper the management of big corporations, in safe and high paying positions, instead of doing the actual coding. Etc, etc.
We, the software developers, are creating, we've got the creator's virus. It's both a blessing and a curse.
Oh and if any recruiters are reading this, those of us with passion, experience and capacity for solving hard problems might be motivated by technologies or projects, but we aren't cheap or exploitable, so for as long as we are on the right side of the demand/supply curve if you're looking for cheap, then GTFO!