If someone wants to be happy, but keep needing to fight the lack of money to survive, it can be very stressful and lower the happiness one has the energy to experience. If those people get money, it relieves the pressure, and they are free to be happy, be it on a boat in Italy or whatever it might be.

If a miserable person gets money, they'll unfortunately likely stay miserable as they don't know how to handle their inner world.