All the money belongs to a remarkably small group of people.

All the money is (or will be) spent on land near other rich people so your kids can have a school peer group with parents who have higher education/wealth/social network achievements, and after that, healthcare, and after that, liability coverage.

If there is money left over, then you decorate. But you’ve probably bought into a new housing development with an HOA that doesn’t allow exterior modifications without approval.