You think that way because they’ve taught you to think that way. Instead, you should be very plain about your pay expectations. If someone starts getting on your case for being “pay motivated” or some other horseshit HR wageyganda idea, here’s what you say.
“I hear what you’re saying, and certainly the main drivers in my career goals are broadening my skillset and achieving excellence. However, my life and family goals operate in a capitalist society reliant on me growing my compensation year over year. If this job is unprepared to meet my life goals, then let’s be explicit about that so I can reevaluate my plan for my household and decide whether this position is a fit.”