"If".
It appears (from this article, I haven't done any exhaustive research) that when the Ghanaians have the option of hiding money from their families and from the funeral expenses, they exercise that option with flair and alacrity. That suggests that they are not getting what they want out of this whole digging activity. And while we cannot read off what is best in life from the stars or the mountains, we can have a look at what people do when they are free to choose without social pressure. It does rather appear that most humans who are free to choose would rather have washing machines and cars than elaborate funerals. Were it not so, then presumably the funerals of the West, wealthy beyond the dreams of avarice, would drastically outshine what the poverty-stricken Ghanaians can manage. Where are our burials IN SPACE? Our cremation rockets fired into the Sun, "from stardust you came, to stardust your return"? Why do we not hold weeks of elaborate mourning, with professional poets (or rappers if you prefer) hired to extol the virtues of the deceased and laws about "funeral leave" allowing us to sit idle?