Happiness is being able to do what your mind desires i.e. having lot of Freedom. Money unlocks freedom. But tasting too much freedom can be distressing and disorienting. A river dries out if not restricted by banks.(e.g. Britney Spears). So we need exoskeleton of externally imposed restrictions to keep us in shape so that our guts don't fall out. Anxiety is the dizziness of Freedom.