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Because the assumption that your “dreams” are to make as much money as possible
It's worse than that. Most people dream of the financial freedom to pursue their interests. Making as much money as possible is the common theme, but it is a means to an end. People dream of vacation homes and sports cars and parties and material things, for sure, but those material things are tied to interests. People want to relax, and have fun, and engage in hobbies, and have loved ones. The insidious lie is that we must all earn the right to have those things.
The more insidious part is they want you to think they HAVE earned their vast wealth. They have not. They never have.
I think the dream has become so far off and unachievable that the material representations of it (houses, cars, parties) replace the actual goal itself. We've put the cart so far in front of the horse that we've forgotten the actual purpose of the cart.
Well, and I would say even basic necessities have become so far out of reach that they replace the dreams. People long for not being victims of scams and predators, a place to exist without cost, food, and safety.