Maybe you meant something other than difficult, maybe you meant "easy" instead.
Having enough money to survive on for the rest of your life doesn't mean a life devoid of challenges, but to claim that such a life is difficult is probably a misunderstanding of what difficulty actually is for the vast majority of humans living on the planet.
For a lazy analysis also see: Maslow's hierarchy of needs.
For example:
I am now nice-dinner rich. I can buy good stuff from a local restaurant and not feel the sting.
But I am not business-class-RTW-ticket rich. I can, in theory, afford it, but I have to think about whether I think it's worth the money.
So, when you're deciding between food and rent, that is a different kind of difficulty than whether you have to decide between private and public school for your kids, and all together a different thing compared to whether you have to spend your time flying coach or business class.
As a sidebar, I think it's reprehensible that we (Americans) conflate having sufficient capital to guarantee one's basic needs with having sufficient access to capital to do interesting things (say create a startup) and also with having sufficient personal wealth to slake one's desires/whims.
I guess I notice this because I can still remember planning how to make a $20 note last until payday while not being hungry at bedtime. It mostly involved thinly-spread peanut butter on slices of bread.
If you don't have to worry about money then by all means go to art school, or do whatever you want to challenge yourself.