Hey! I like your view on the subject. I think that every person is as happy as they decide to be, including the disadvantaged.
I agree with you about making time for our purpose. Many people lack the motivation after 8 hours plus of work. Here I believe that a strong reason/dream will pull you enough from the mundane lethargy.
We do need a house for a family. But in the same time if that home is not filled with good spirit, harmony, people who are happy about where they are living and with whom...then is that a house where nobody would like to be in
Money are necessary but imagination and dreams come before having money most of the times