> Most of the ones I know consider money as a tool that can be used towards something, not as a goal by itself.

And if you need a massive amount of money to achieve a goal, you obsess about money. Elon (ostensibly) isn't building soup kitchens and community gardens.

> How many high net worth individuals do you know / have you met?

If you don't think wealthy people obsess over money, I'd honestly wonder how many YOU have met. Not fretting over small amounts of money, or not being ridiculously frugal does not mean that wealthy people do not stress over money.