(In actuality, the distinction isn't binary - most people desire both consumption and accumulation of wealth, in different proportions. But that reinforces the meta-point I'm trying to make, that money is a means to make choices about your life, and what makes those choices meaningful is the fact that there are constraints in the first place.)
I agree that money can be a means to make choices about one's life, but only past a certain point. Poor people need money to obtain the necessities of survival, and that often doesn't leave a whole lot of options open for making life-scale economic choices. Picture a Monopoly game where some players get the standard $1500 at the outset and $200 each time they pass Go, others get $150 and $20, and one person gets $15,000 and $2000. No matter how good the players in the second group are, they're probably going to perform poorly under those conditions; likewise whoever is fortunate enough to start out controlling large sums is considerably more likely to win.
We all have the same amount of time at our disposal, and how we use that can certainly have a huge impact on our economic futures. But large capital disparities arguably provide a disincentive to maximize productivity insofar as people feel hard work will have little impact on their prospects for advancement relative to their contemporaries.