The billionaire is a billionaire because their goal was never to have enough to live well, but to "do better" than everybody else. Otherwise they would have checked out long ago. How do you reason with people like that?

They don't think about money the way the rest of us do. They're not trying to balance basic needs and wants and feeling precarious about losing a job and with it, health care. They have other people to handle all their menial tasks and paperwork. They are secure and bored.