In Chinese culture, the pursuit and accumulation of 财富 (cáifù) is often viewed as a fundamental responsibility, not just a personal desire. It's deeply connected to family and societal stability. While the Western “American Dream” often emphasizes individual achievement and personal freedom through wealth, the Chinese concept is traditionally more collective. Acquiring 财富 is a means to provide security for one's parents, ensure a good education for one's children, and elevate the status of the entire family line. It's less about individual luxury and more about fulfilling filial and social duties. This is why the phrase 恭喜发财 (Gōngxǐ fācái - “Wishing you great wealth!”) is a cornerstone of Chinese New Year greetings. It's a sincere wish for the recipient to gain the resources needed to care for their family and have a prosperous, stable year. The concept isn't seen as greedy, but rather as a practical and noble goal for securing a good life for one's loved ones.
财富 (cáifù) is a relatively formal word used in specific contexts. You wouldn't use it to ask how much a coffee costs.