A take it as nice metaphor (therefore an upvote), but of course not literally true.

For some people "million dollars" will always be in a far mode, so they can speak about it, but will not take one step to realistically increase the probability of having that money. Some of the rest will for a moment bring it to a near mode (usually when speaking with a "financial advisor" or MLM recruiter), just to do the unreasonable thing that the advisor recommended them.

Your description is true only for a small minority of people... although it is probably much larger than a group of people who put similar energy and rationality into existential risk etc.