If you started early then yeah stacking at all costs is kinda silly and just a rounding error at some point, and maybe you competing with yourself or want to get to some nice round number for some reason and I guess that's one motivation
Building wealth is only one part of the game, then it's how do you preserve it, use it wisely and create something that generates more wealth for everyone, like a business, investing in your own or someones ideas or talents.
The game goes deeper than stacking.