I'm gonna go out on a limb and say that some 85% of people reading this do not have 1 million in the bank, let alone a few. So that's just worrying about a problem that most are never really going to encounter.

That being said, motivation is a complex thing, and most people are motivated by many different things at once. Money itself may not be the only motivator, but it's definitely one of them, and an important one. Trying to skimp out on it is a recipe for failure.