The individual may be understood as one particular focal point at which the whole universe expresses itself - as an incarnation of the self, or of the Godhead, or whatever one may choose to call it.
Wealth is not an absolute. It is relative to desire. Every time we yearn for something we cannot afford, we grow poorer, whatever our resources. And every time we feel satisfied with what we have, we can be counted as rich, however little we may actually possess.
I oppose any belief that contradicts experimental evidence as determined by the methods of science. All beliefs not in such contradiction may be considered as faith. Whether faith in a particular belief is beneficial or not is another matter.