May I ask you a personal question? Are you religious?
I ask because you seem to have a very materialistic viewpoint about hope, which is bread and butter to anyone who puts faith in an unseen God.
Not particularly religious, no.
Either way, the “millionaire” thing was just an example.
Yes, hope is a virtue. However, one must also accept reality, even if you have faith that it can change, it still effects you right now, today.