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Why does money automatically = lust for material possessions? I mean, to some people- sure, that's all it is
But what about security, funding for projects, inventions, helping others in need (programs, etc.)? Those are not material possessions or excesses. Those are real and do equate to real happiness.
So if all you can consider when you think about money is acquisition of material goods, then yes, you are severely dull, have no personality and will definitely be VERY unhappy if/when you get increased amounts of money
If you had everything you wanted then these things would technically not need to be done as they already would be done as you'd already have everything you wanted.