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The ability to be spontaneous in life is directly proportion to the size of your bank account
(self.showerthoughts)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
I'd say it plateaus eventually. You do need .Oney to do a lot of stuff, but once you have enough money, depression will keep you from being spontaneous anyways.
I disagree with your conclusion that either money makes you depressed or everyone is always depressed.