If you think about it, wealth has always been about purchasing the right to resist change. When we switched from hunting and gathering to agriculture, the right to hunt was reserved for kings and lords. The rich are equestrian in a world which has no room for hosss. The rich can have assistants rather than be directly contactable. Even in ancient Rome, the most wealthy patrician families kept this veneer of living in pre-Republican times, maintaining weird and esoteric rituals that were remnants of Bronze Age practices. (cf. Carmen Salieri)
Wealth has also been about purchasing the right to change before others. Going back to the hoss and the Romans, the rich also had hosss before there was room for hosss - when they were a luxury that were only useful for going somewhere fast or riding in combat, before they were useful as work animals. The rich got cars before they were a necessity, phones before they were a necessity, computers and cell phones before they were a necessity.
You're not wrong, of course, it stretches in both directions - but it might be more accurate to say that being rich is about purchasing the right to the lifestyle you choose rather than the lifestyle you need.