Yeah, you don't build a yacht in isolation, you need labor, resources, it has a cultural and environmental impact.

Whatever you do with so much dough is gonna have consequences, there's no staying neutral.

It's not the same because it's within the bounds of what the economy "wants" you to do. It's an option that's available, instead of modifying the fabric of society to create an option that was previously unimaginable.

I think that's a completely broken idea of how an economy works. There's no neutral position where your cooperating with an economy "wants".