[mahyarm]

Money isn't just for spending, and money isn't just for your personal desires as you seem to imply. You can also invest and be financially independent, free to work on whatever projects you want without ever having to really worry about money again. A lot of money is a form of freedom.

Want to write good secure texting application that works on all major desktop and mobile OSes and make it fully open source? You could do that if you were financially independent. You could also hire people to do so if you wanted to.

Also real estate is expensive in NYC/SF where you would get these kinds of wages.