you're thinking that there's something especially wrong related to negative incentives that doesn't apply to positive ones.

There's something terribly wrong about the way negative incentives are implemented in humans. I think the experience of pain (and the fear or anticipation of it) is a terrible thing and I wish I could self-modify so I would feel pain as damage/danger signals, but without the affect of pain. (There are people wired like this, but I can't find the name for the condition right now.)

Similarly, I would like to get rid of the negative affect of (almost?) everything else in life. Fear, grief, etc. They're the way evolution implemented negative reinforcement learning in us, but they're not the only possible way, and they're no longer needed for survival; if we only had the tools to replace them with something else.

If you don't feel miserable when you're poor or, similarly, if you won't feel happier when you're rich, then why would you value being rich at all?

Being rich is (as an example) an instrumental goal, not a terminal one. I want it because I will use the money to buy things and experiences that will make me feel good, much more than having the money (and not using it) would.