If you have more accessible money right now than the poorest person in your country would ever need to survive to the age of country's life expectancy, then you have too much money.

If you think of: the maximum fines leviable by your government for committing a crime; as mere inconvenience - rather than a life-ruining financial burden - then you also have too much money. (Weird punctuation for easier parsing).

These two things may not be mutually exclusive.