Why are friends and family more worthwhile? Honest question.
Typically, if one of your primary needs is to feel loved, valued, and cared for, family and friends solves that the best way. Assets do not.
However, not everyone's primary need is to feel loved, although there is a certain level of that needed by everyone. Your primary need may be for things to stable, organized, orderly, or for you to accomplish goals you set out for, or to be consistent with your value system whatever you set up.
That being said, I have found the feeling happiness and contentment impossible to obtain without mutual human companionship. That being said, the amount of human companionship needed is probably heavily variable between humans; I'm sure some people are happier with less. I find it difficult to imagine a well adjusted (non serial killer) person who is perfectly happy with none. If your personal needs for companionship have always been met, I understand why you'd be confused as to why people seek it out so much.