I intuitively sympathize with the complaints of status-quo bias, though it’s of course also true that more changes from evolution’s current local optimum entail more risk.
Here is another interesting reference on one form of congenital lack of pain.
I like Peter Singer’s “drowning child” argument in “Famine, Affluence, and Morality” as a way to illustrate the imperative to donate and, by implication, the value of money. As he says, “we ought to give the money [spent on fancy clothes] away, and it is wrong not to do so.”
I do think there’s a danger, though, in focusing on the wrongness of frivolous spending, which is relatively easy to criticize. It’s harder to make people think about the wrongness of failing to make money that they could have donated. Opportunity costs are always harder to feel viscerally.