If I had USD$10 million, my own career choices would really matter. I've also heard that magnitude is about where quality of life starts to be fine. I'd likely go the Brewster's Millions line of $30 million or higher with your point (which kind of makes me sad - a decade ago $5 million would've been fine).

I also just read baby boomers tend to spend now and won't be giving much inheritance. I actually prefer this because of your point; the money is not, at least so much, with the lazy.