Lol. Do they keep their hoarded money under a matress? If it's in a bank account it's being actively used. It actually doesn't matter whether the money is in your friend's bank account or some corporate bank account, the money is still being lent out, and used to grow capital. It's fundamental to how fractional banking works.
As for people affording to have fun, my experience is that the working class aren't using entertainment to have fun, so much as they're using it to dull the pain and tedium of a fairly shitty existence.
I tend to agree that one should tend to work to improve one's life, but never forget that actively finding content to watch is work. And having access to a large library of digital media is something no amount of money could afford 100 years ago. And lets not forget how cheap super computers are that even homeless people tend to have one in their pocket. So, yeah econonic position matters, I guess.