Joanna Trollope speculates about J.K. Rowling's vast fortune, wondering 'if there comes a point where money begins to imprison you in the way that the lack of it had before'. Trollope imagines that 'when you have heaps of money, it can be as bad as when you had none at all'. For my part, I don't think so, though I've never had either none or heaps in the J.K. Rowling class, so I may not know what I'm talking about.
Still, here's one suggestion. If a vast fortune is a prison, then it's a prison with a key in the hand of the prisoner. She can just give it all away, or as much of it as she needs to in order to reach the level of non-prison-like wealth.