>within lots of other very complex constraints, like law, morality, how much time they have available

Ha, if that were true we wouldn't be constantly extending the law and putting people in jail because they keep breaking the law for profit.

>ivilisation can't work because humans will want to make as much money as possible

And yet we keep running into issues with long term pollution and environmental degradation because of the growth of civilization.

>whether they feel they already have sufficient money for their own needs,

Does greed have bounds?