Even if saving money through AGI converts 1:1 into money after the singularity, it will probably be worth less in utility to you:

1. You'll probably be able to buy planets post-AGI for the price of houses today. More generally your selfish and/or local and/or personal preferences will be fairly easily satisfiable even with small amounts of money, or to put it in other words, there are massive diminishing returns.

No one will be buying planets for the novelty or as an exotic vacation destination. The reason you buy a planet is to convert it into computing power, which you then attach to your own mind. If people aren't explicitly prevented from using planets for that purpose, then planets are going to be in very high demand, and very useful for people on a personal level.

This post and many of the comments are ignoring one of the main reasons that money becomes so much more critical post-AGI. It's because of the revolution in self-modification that ensues shortly afterwards.

Pre-AGI, a person can use their intelligence to increase their money, but not the other way around; post-AGI it's the opposite. The same applies if you swap intelligence for knowledge, health, willpower, energy, happiness set-point, or percentage of time spent awake.

This post makes half of that observation: that it becomes impossible to increase your money using your personal qualities. But it misses the other half: that it becomes possible to improve your personal qualities using your money.

The value of capital is so much higher once it can be used for self-modification.

For one thing, these modifications are very desirable in themselves. It's easy to imagine a present-day billionaire giving up all he owns for a modest increase along just a few of these axes, say a 300% increase in intelligence and a 100% increase in energy.

But even if you trick yourself into believing that you don't really want self-modification (most people will claim that immortality is undesirable, so long as they can't have it, and likewise for wireheading), there are race dynamics that mean you can't just ignore it.

People who engage in self-modification will be better equipped to influence the world, affording them more opportunities for self-modification. They will undergo recursive self-improvement similar to the kind we imagine for AGI. At some point, they will think and move so much faster than an unaugmented human that it will be impossible to catch up.

This might be okay if they respected the autonomy of unaugmented people, but all of the arguments about AGI being hard to control, and destroying its creators by default, apply equally well to hyperaugmented humans. If you try to coexist with entities who are vastly more powerful than you, you will eventually be crushed or deprived of key resources. In fact, this applies even moreso with humans than AIs, since humans were not explicitly designed to be helpful or benevolent.

You might say, "Well, there's nothing I can do in that world anyway, because I'm always going to lose a self-modification race to the people who start as billionaires, and being a winner-takes-all situation, there's no prize for giving it a decent try." However, this isn't necessarily true. Once self-modification becomes possible, there will still be time to take advantage of it before things start getting out of control. It will start out very primitive, resembling curing diseases more than engineering new capabilities. In this sense, it arguably already exists in a very limited form.

In this critical early period, a person will still have the ability to author their destiny, with the degree of that ability being mostly determined by the amount of self-modification they can afford.

Under some conditions, they may be able to permanently escape the influence of a hostile superintelligence (whether artificial or a hyperaugmented human). For example, a nearly perfect escape outcome could be achieved by travelling in a straight line close to the speed of light, bringing with you sufficient resources and capabilities to:

• Stay alive indefinitely
• Continue the process of self-improvement

In the chaos of an oncoming singularity, it's not unimaginable that a few people could slip away in that fashion. But it won't happen if you're broke.

Notes

• The line between buying an exocortex and buying/renting intelligent servants is somewhat blurred, so arguably the OP doesn't totally miss the self-modification angle. But it should be called out a lot more explicitly, since it is one of the key changes coming down the pike.
• Most of this comment doesn't apply if AGI leads to a steady state where humans have limited agency (e.g. ruling AGIs or their owners prevent self-modification, or humans are replaced entirely by AGIs). But if that sort of outcome is coming, then our present-day actions have no positive or negative effects on our future, so there's no point in preparing for it.

Relevant quote from Altman after the firing:

“I think this will be the most transformative and beneficial technology humanity has yet invented,” Altman said, adding later, “On a personal note, four times now in the history of OpenAI, the most recent time was just in the last couple of weeks, I’ve gotten to be in the room when we push … the veil of ignorance back and the frontier of discovery forward.”

However, uploading seems to offer a third way: instead of making alignment researchers more productive, we "simply" run them faster.

When I think about uploading as an answer to AI, I don't think of it as speeding up alignment research necessarily, but rather just outpacing AI. You won't get crushed by an unaligned AI if you're smarter and faster than it is, with the same kind of access to digital resources.

The breeding process would adjust that if it was a limiting factor.

The problem with this is that one day you'll see someone who has the same flaw you've been trying to suppress in yourself, and they just completely own it, taking pride in it, focusing on its advantages, and never once trying to change it. And because they are so self-assured about it, the rest of the world buys in and views it as more of an interesting quirk than a flaw.

When you encounter that person, you'll feel like you threw away something special.

How about this one? Small group or single individual manages to align the first very powerful AGI to their interests. They conquer the world in a short amount of time and either install themselves as rulers or wipe out everyone else.

Oh, I see your other graph now. So it just always guesses 100 for everything in the vicinity of 100.

This is a cool idea. I wonder how it's able to do 100, 150, and 200 so well. I also wonder what are the exact locations of the other spikes?

You can deduce a lot about someone's personality from the shape of his face.

I don't know if this is really that controversial. The people who do casting for movies clearly understand it.