Absolutely. But what you have to worry about goes back to what society you live in. Germany appears to have a strong safety net. The USA really has no safety net for people under 65.

As an American...

I wouldn't call EUR 10K/month--roughly USD 12,200 this morning--rich. I'd call it solid middle class. As soon as you have medical or legal problems, you see you're not rich at all. Or if you want to buy a house in a good location in a large city. An American earning that is earning well above the "average" income-- but they soon discover they are very far from rich or from having freedom from work or worry.