I don't need that much wealth, I think. But there is no way I could possibly make everything that I need. Modern capitalist society is much too complicated for that, and our technology is much too advanced.
As the great capitalist economist Adam Smith wrote in "The Wealth of Nations," published in 1776, technologically advanced and wealthy societies become that way through economic specialization, what Smith called "the division of labor in society."
Rather than everyone trying to do everything needed for survival -- each person growing his or her food, building her or his own house, growing all of the plant fibers needed to make clothing, and so on, each person in a wealthy modern society specializes in doing a few things on the job, and doing them well and pretty quickly.
By simplifying work and devoting our full attention to it -- whatever it is we have to do for a living -- we become much, much more efficient and productive at it. Capitalist investment also helps to improve average productivity even more, by collecting the surplus economic value that society generates and investing it in new machines & procedures that make labor even more efficient and productive in the future.
There are many, many problems with the way the "division of labor" works in modern societies. As a democratic socialist, I think we need to make major changes in the economy to keep most Americans from going broke because of falling wages, being thrown out of work permanently by automation, and being turned into zombies by overly simple, overly repetitive jobs.
But no matter how much we change our economy -- as I think we must -- we can't just eliminate economic specialization completely without throwing away most of the wealth that our complicated market society has produced.
That's what "having the talent to make [all of] what you need" would mean.
Nobody, or almost nobody, is going to have the "talent" today to grow their own food, produce their own clothes, build their own houses, manufacture their own computers, generate their own electricity, and perform their own eye surgery. Almost all of us have to specialize, to some degree, and rely on the "division of labor" and market exchange for most of what we need. We survive at a higher standard of living because we "cooperate" with each other, using market exchange as a mechanism.