I see what you mean Joe. But if I had vast amounts of dosh, I'd want to use it to help the less fortunate, not buy ridiculously expensive and, as you say, intrinsically valueless luxuries. My husband and I have long conversations about 'what we'd do if we won the Lottery'. (We don't ever buy a ticket, so it's not very likely is it?!) We've worked it all out; funding malaria clinics, fresh water wells drilled, maternity services and so on.
But my husband (he's very perceptive and wise) points out that old people here in UK are less fortunate than African ones. Many of them are lonely and spend hours just trying to pass the time, with few visitors, until they're put in a care home, tended by strangers until the end. In Africa this never happens. The family always, always cares for their elderly, feeds, washes, sleeps at their side, and it's unheard of for anyone to die alone.
What I'm trying to say is that one has to take in the overall picture when assessing fortune/misfortune, under- and over-privileged etc. Fairness is a far more complex subject than one might first think.