Well, if you have the intelligence to use the money wisely, that is of course the best situation.
But it's a little different when we assume as the original question, and it's "OR" not "AND."
So now we have a person with lots of money whose biggest concern is when they are going to have their next beer or vodka, or what car is "cool." Now what?
I don't know why we even should think about this guy? it's his choice, we can neither judge him nor change him.
Why should we think about?
and by the way, sometimes I have the same bigger concern or browse "cool cars" in internet. I cannot be a smart 100% of my time. I'm human and I allow myself to be smart, stupid, fool, evil, angry, happy.
We're all just human and we all have our natural properties like I mentioned above. Rich, poor, educated are an additional(additional to natural) social scale for measuring something.