Wealth and the ability to enjoy wealth are two separate gifts, and only the second one ever pays out.
A portion can be completely owned and never once collected. Collecting is its own capacity, and expectation is what shuts it down: once the portion registers as owed, its arrival produces no emotion, and with no emotion in the receiving there is none in the labor either, and joyless labor is the kind a person either abandons or resents for decades.
Appreciation puts feeling back into holdings that never changed size, which is why rejoicing in one's own work comes as a gift from God rather than as an output of wealth. A person who never receives that second gift can spend thirty years building an estate they never once live inside.