Farms, jobs, clothing, and lawful comfort can be useful means of living. Benefiting from them is not the same as making them life’s final aim. The warning about estates concerns heedlessness; the warning about luxury concerns overindulgence.
For example, one person manages a lawful business while preserving worship and others’ rights. Another starts deceiving and mistreating people for additional gain. The meaningful distinction lies in conduct and consequences, not merely in the name of the worldly activity.