The wit here cuts deeper than mere grumbling about work—Groucho's admitting that freedom itself, not just financial security, requires constant purchasing. Most of us think money solves *problems*, but he's spotting something stranger: that it solves the problem of being trapped into activities we find fundamentally tedious. Consider someone who hates meetings but earns enough to hire an assistant who attends them instead; they've bought exemption from their own life. That's the real transaction wealth enables, and Groucho won't pretend it's noble.