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The saddest thing I can imagine is to get used to luxury.

Getting used to luxury is getting used to material wealth. Material wealth is not permanent and one day, as it has happens to many people, it may be gone. In those times of trouble,  if your are accustomed to it, you will find living the new life, the one you are not well-off any longer, very difficult. You will feel very pessimistic as a result.