jackk: A poor person, and a wealthy person, and a wicked person
A clarification there on a wealthy person. It really talks about a person who inherited his wealth from his businessman father. So, he does not really have much yetzer hara for being busy with the business!
His father loved building up the business, but seemingly he is not discussed and is not the one expected to have a problem with learning. Either he is an active person in general and will learn with the same zeal as he is working, or maybe his building up a successful business counts as tzedokah.
Now, his son does not need to build anything, everything works without even workers knowing who he is, his yetzer hara is simply to enjoy the wealth, he may even be depressed that he can’t be as great as his father, and the example illustrates that he needs to dedicate his status to learning (and maybe this way making his father’s business even more meaningful).