actually, that is how I think of who an audiophile is. (when I talk of money, I am also inferring time)
Thinking (which gets me in trouble) about it, I think of an audiophile whose main obsession is listening to music on the best gear he can afford. While they may have secondary hobbies, mainly he saves to improve his at home listening experience.
It is irrelevant how much he spends, it is the fact that the vast majority of money he can scrape together , including things like a change jar etc, goes towards improving his listening experience.
While he does not have to be a fanatic, he is definitely closer to that end of the spectrum.
Maybe someone who makes twice as much money as he does actually has a better system, but that is just a matter of them having more expendable income. It really does not make much of a difference what income bracket the audiophile is in. If they make more money, that just means they still save etc but they can just get more expensive gear if that is what they feel improves their experience.
An audiophile could have something as simple as a system worth maybe $1k or he could have a system worth $50k - it is just basically the best system they could put together with the money they have available.
The audiophile basically devotes the vast majority of his time and resources to music.
The music lover can have just as good of a system, but they are not totally devoted to it like an audiophile. They love music and want it to sound good, but if they happen to have some spare cash available, they would just as soon spend the money on one of their other hobbies - boating, hunting, fishing etc.
The audiophile may also hunt, fish etc, but he is not going to have that high dollar fishing gear or hunting equipment. It will be adequate for the job, but he would rather spend the money saved on bettering his audio system, music etc.
I think you get the idea.
So for me, it is basically just a matter of degree. There is obviously nothing wrong with being an audiophile nor is it bad to consider oneself a music lover.
But for me, over the decades, I have just always knew an audiophile when I met one, I just never really thought about what actually made me think of them as an audiophile.
I personally believe there are more music lovers then audiophiles.
I do not think I could consider myself an audiophile as there are many times when I have the choice to listen to music or do something else, I choose another of my hobbies. An audiophile can still do other hobbies, but the main part of their time is strictly spent with their system.
I feel I am getting closer to being an audiophile every week as I do find myself choosing serious listening over my other hobbies more and more.
Anyway - that is how i think of an audiophile. I have met many over the years and while they all had really nice systems, their systems did range from something I could afford to something i could only dream about. Put them all in one room though and they would all be like long lost friends.......
So don't be ashamed to be a music lover and don't feel like it is bad to be an audiiophile. They share more things then they disagree on. It is just some people are more devoted then others.