neither is the "quality of life" that can only be afforded with money.
I know it's hard to believe, but you can enjoy and love a person because of who they are.
Perhaps because you have never experienced this or you do not view relationships that way, you have no concept of it.
Based on your perception of relationships, it's best you motivate yourself to do what you think it takes to get women, the kind of women that want a man for money and finesse.
You just choose to ignore or reject the women out there that just want to be loved.