i sometimes feel this way. sure, i am happy with the present, but there is just so much more i could do if i were had more money. a favorite quote of mine, "money is a tool without instructions."
No. I'd suggest the flipside and say you haven't lived until you've been down and out, as it puts things in perspective and should make people realise what is truly important to them. Living is about doing what you enjoy. That may or may not require being rich.