This is a good question. This is the way I see.
Some can use money for materialistic purposes which evokes superficial happiness. As time goes on, these individuals will come to realize that these items really hold no significant value (I’m not saying this is the case for everyone cause some items can hold significant value and it varies per person). When I say hold no significant value, I mean it in the sense that it provides temporary feelings of satisfaction. Once these feelings of happiness and satisfaction wither away, I believe sadness can set in.