For nearly 20 years I helped run Bandwagon, a co-op of nerds who toward the end of the dot-com bubble needed a place to put their personal web projects. We clubbed together to rent a full colo rack and we each put our servers in.
There were many opportunities to try to turn this into a business. It might have been lucrative, might have been a failure. We kept it as a small co-op, and it was fine.
And right now I'm looking at starting something that I might eventually get a salary from, but if it has surplus revenues beyond that, I'd rather use it to improve the thing and its impact in the world.
I understand that a lot of people want a zillion dollars so they can live a life of luxury. To each their own, but I feel kinda bad for people who organize their lives around that. They rarely succeed, are usually quite unhappy, and frequently create a trail of pain and misery behind them.