I hate to disagee with you Ron...but money is the most important thing. No banker would lend Chris money because of his "bodybuilding potential." To get a house you need a mortgage. To buy groceries you need money. To buy clothes, an education, etc you all need money.
This is a debate and thread for another boards, but
You can have a lot of money, and be extremely miserable. You can have a lot of money and be very sick. You can have a lot of money with no family. Some people who had a ton of money says that it also brings a lot of problems.
Money is only one aspect of life. Yes, it is important because it buys food, clothing, etc. You don't have to 'own' a house with a mortgage. Some people prefer not to.
Other aspects... sex, satisfaction, knowledge, friends, not being lonely, teaching others wisdon and so on.
As for the 'bodybuilding' potential, a banker looks at the same thing anyone else does when someone wants a loan. Assets, liabilities, income, W2 forms, credit, source of income.