[_carbyau_]

You are correct that we really don't know how we'd act unless we were in that situation. And like you, I hope I'd be vaguely sensible.

Two things, stand out to me though.

1. how you frame it might help with how you spend it. Which is to say that when shopping for a mansion "I've got 1.2 billion" likely leads to a different outcome than "I have 30k per day. I'll have to save up for it."

2. once chasing money is not a major thing in your life, what do you do for meaning?