I'm not really reading too much into it, but the show does seems to be dropping hints. Besides other characters dropping money references, Raffi drew a difference between Picard resigning and her being fired which could imply a difference in getting a pension or severance pay etc.
Speaking of that--- curious as to why Starfleet fired her, just because Picard resigned and just because she was acting as Picard's assistant.
So far;
Picard is full of regrets and everyone seems to blame him for everything.
Raffi is a bitter alcoholic and drug addict with a broken family, Her son is also bitter and hateful at her.
Seven is bitter, revenge obsessed and cynical.
Maddox went off the grid.
Rios is a little cyncial after seeing what happened to his captain.
Jurati is a killer when she isn't looking sweet and innocent.
These characters have a lot of demons.