If you aren't going to pay for a solution to a need, then it isn't a need. If you can't afford it, that is a technological issue. There is no such thing as someone with "too much money".
[edit: there are certainly things that money can't buy. Though I'm sure you can mail-order a lovely bride, a Zen Buddhist sensei fresh from Japan, and adopt some children in need to give your life meaning]
I say: you can have a need, but you can have not enough money to pay for a solution to that need. For example, you can say that as there is so much poverty, there is a big need for food so there is a big market for food right? But probably, the sector that is suffering poverty wouldn't make an interesting market, as would not have money to pay for the food you might offer to it.
That's an exaggeration, but the same can happen with other stuff. There are lots of human needs you can point to, but the segments that would pay for solutions to these needs are, as I think, more limited, for many reasons. Maybe your solution is expensive for them, maybe they don't want to use credit cards online, etc...
About "too much money"... that was where my "non-native" English came along. I meant: maybe the people that have the needs have not enough resources (money) to buy your product/service, making that an uninteresting market despite being an unattended need. I was not saying you can have "too much money".
