I just wanted to dissect this a smidge:
Gathering wealth is cultural programming.
That's one way to see it, but people don't have to follow it. Regardless of how you frame it, people will seek what they value. If they value pure monetary wealth, they'll pursue it to the extent of the will/motivation they can muster towards it (really a reflection of how much the notion is really valued), limited by their circumstance, including how lucky they were in doing do, and how effective their plan to gain what they value is (intelligence, dillegence, luck, realism, motivation, etc).
If you say "it's cultural programming" then you have relegated your own argument to nothing more than the same, no? If you are capable of operating outside this programming, aren't other people as well then?
Nobody needs 1 billion or 1 million to exhibit natural behaviour.
First, you do not define the needs of others. They define it themselves based upon their experience and how they percieve their circumstance in every moment. For whatever reason, it could be that they feel that indeed they do NEED to accumulate massive wealth. That you feel differently does nothing to establish what they think they need. It only establishes what you think you need, which is to do nothing apparently. Hell man more power to you. If you can figure out a way to eat and do nothing, why are you typing this shit? You value it apparnetly, but it's not quite nothing is it? Anyway, you'll notice that even the lion gets up off his ass to hunt down a gazelle from time to time. It's about gathering the resources you think you need. Considering the abstraction of value as noted by sartyr, you might consider it's an easy conclusion to reach that more money = satisfaction of need. Of course I personally find this short sighted, as with more money comes more shit you have to take care of or defend, I cannot say it's invalid reasoning for someone else's situation. Apparently you think you can. Of course you can say what you want, but I think it's as short sighted as the person who only lives for money.
In fact, having 1 billion might inhibit natural behavioural patterns.
Apparently, I think what you consider to be "natural" is unnecessarily narrow. People are part of nature, and attempting to describe their acts as anything but perfectly natural must yeild a skewed variant of what is actually natural. Unless perhaps you've decided to become a theist or something. *shrug* I'd say it's perfectly natural to seek material resources that aid in your "survival" as you come to think survival is. That's the most interesting part to me, is that survival is, with the advent of humanity and a life where you don't necessarily have to kill your own food... strewn across the abstract to the point where someone's existence can, in their own mind, be dependent on the exact shade of their hair color, and rightfully so! Fucking fascinating to me.
You see this effect with people pursuing a career. They put so much effort into it that there is no time for anything else, such as socializing, fucking around, making babies, farting, taking a slow dump, etc. They are at work networking.
Hopefull you can understand where I'm coming from, which I think perfectly explains why some might do what you're saying above.