I think -- like you describe -- that many people will go through life only ever motivating their work with money. I think this can happen for any number of reasons, some of which are just personality traits, and that's fine.
In other words, I won't contest your experiences because I fully believe you share them with many other people. However, I also don't think they invalidate the general results that a lot of people could be paid enough in a good enough environment to remove money as a motivator, that would be cheaper for companies, and society would be better off for it.