So you're saying that you think the chronic long-term effects found in the study are not from having little money, but from the lack of rewards?
I mean, there's no data on that, so you could be right. We'd have to find a bunch of people who have little money but find their own rewards and see if they suffer the same consequences.
Possibly the "starving artist" folks - people whose motivation is their art but who earn no (or very little) money doing it. Anecdotally, the ones I've met veer wildly (almost daily) between euphoria and despair. But I think that's different from the symptoms the study is talking about.