Money is first and foremost a tool. A tool to achieve goals. The motivating factor will be what you strive to get, and money will help here. I think it's wrong to think that money is a motivating factor. "Chasing" money just for the sake of having it? I think this is a little strange. There is always something "worth" behind the money, the same yacht or lambo. Anything you want to buy with that money.
Others may have misinterpreted it and sees money as the one that motivates them to work hard and strive more. But definitely, it’s not the money itself but rather the purpose or reason why you should have that money. Some would want to reward themselves and buy something valuable, and some badly needed them just for survival. But the good thing is, at least we should always work hard first so we can get what we want in life, and that money is just a tool for it.
It is true that the majority of people struggle hard to collect as much money as possible, it does not mean that everyone is motivated by money.
But that's because they are motivated to be able to get something of value, which only by having money can they get something of value.
This means that everyone who wants to have money, behind it there must be a certain goal that they want to get. Like my goal of having money is
to buy things that I think are valuable, so what motivates me is actually the things I want. Suppose I want to have a luxury house, then I will collect
a lot of money to be able to buy the luxury house that I want. This means that the factor that motivates me is a luxury house, because money itself is
only an object used for buying and selling transactions.