Once you accept that you can do whatever you want and still be saved, you need some way to identify the REAL good people from the bad people.
Everyone can't be a good guy on the same level. It's obvious in real life that some guys are "gooder" than others.
Plus, you want to know if YOU'RE going to be saved. So how do you know? Because God blessed you with material things, of course!
So everyone scampers about trying to ensure they're one of the Elect. I present to you, the protestant work ethic!
It's a whole different mindset than the Catholic one.
I'm not saying you're wrong, but having been immersed ears-deep in Protestantism and evangelical culture from Day One (we were not churchgoers but the part of the country we lived in was positively
drenched in that mindset), I'm not so sure that's how they think. In such a culture, it's just a "given" that everything in your life will be about material welfare, and that any education or culture for education's or culture's sake is an unaccountable waste of time. Similarly, worrying about one's salvation is not necessary, because if you're "saved", then you know you're going to heaven, no further explanation needed.
Did you ever notice how when you go to visit an American, sometime during the visit, they will show you their house, walk around and point out what is in each room? In many cultures, that would be seen as bizarre, bragging, or both. When relatives from "back home" have come to visit my family (nobody ever visits
me, we've just drifted apart too far, over too long a period of time, four decades), they get the "grand tour" --- my father built a very nice house at the beach, which he sold for a handsome profit --- which leads me to think "are you coming to see
me, or are you coming to see my
stuff? --- house, meet Cousin Charlie, Cousin Charlie, meet house, here's the furniture, say hello, furniture, oh, look at my backyard, backyard, here's your Cousin Charlie". In all of this, I don't think there's a thing malignant or even consciously materialistic, it's just something taken for granted.
Paul Fussell in his semi-humorous book
Class notes that people of means or good breeding don't compliment other people's belongings, and I'd never thought of it that way before, but he was entirely right. Admiring someone else's sporty car, or fine bass boat, or high-quality firearms, that's one thing, but nattering on about one's belongings, it's not classy and it's not Catholic. It's a hard thing to describe. Will those toys help you be happy in heaven, or keep you cool and comfortable in hell?