If a goal of yours is to learn, then a PhD is a great opportunity for this. The value of the PhD is not even gaining expert knowledge in a small area. It's learning how to learn. It's learning how to focus so hard on one thing so as to surpass or build on what the best of those who've come before you have done. It teaches you do deal with the fear of not knowing and having nobody to tell you the answer.
On the other hand, even if you end up coming to be concerned about money, it's still not a big deal. Sure, you don't go into a PhD for money. But wether you go into industry or succeed in academia afterwards, you won't be wanting for money. Hell, you can even leave part way through and get a well paying job!
Besides, your counterparts who ran the corporate treadmill will only be incrementally richer than you anyways. If you really want to be rich, you need to take on big risks such as starting a company or the like. Talking about putting your wife and kids in a tough spot! That said, I hope you put something in life above money.
Edit:
Regarding your edits, those are concerns that you do need to consider. Though it's really not the end of the world if you don't. Simply always trying hard goes a long way to doing alright in most scenarios and there are always great fallback options.