I see a lot of people that say “If I won the lottery I’d….” and then describe something they could definitely do without winning the lottery… which makes me think they still would not actually do so if they won
The sea doesn't care how rich you are, and being a helpless dependent is boring and infantilizing no matter how big your boat - and you don't develop skills without taking risks.
Ultimately, I don't think people are often that conscious of their real goals and motivations. It's easy to say you have no choices in life because of financial and time constraints, but I don't think those are the real reasons most people choose to do or not do things.
Peter: ... Nothing.
Lawrence: Nothing, huh?
Peter: I would relax, I would sit on my ass all day ... I would do nothing.
Lawrence: Well you don’t need a million dollars to do nothing, man.