I don't know what you consider tons of money, but I think it's safe to say that anyone who has never faced financial hardship is a bad person. This applies to me and most people I know irl.

Not a one. Worked for a few local moguls and they were the most miserly jerks who never wanted to pay.

What constitutes “a ton of money” in this case

Because I think there comes a point where having a ton of money quickly turns into wealth hoarding