Treasures in Heaven?

While in the shower tonight, mentally I was having an argument with God about something He wants me to do. When asking myself "Why?" and "What good will come out of me doing this?" I remembered this scripture:
"19 Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. 20 But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. 21 For where your treasure is, there your heart will be also." Matthew 6:19-21
This got me to thinking...
What exactly is this "treasure" that we see mentioned here & also in Matthew 19:21. "Jesus answered, "If you want to be perfect, go, sell your possessions and give to the poor, and you will have treasure in heaven. Then come, follow me."
Treasure? What kind of "treasure" will there be in Heaven? A materialistic/monetary treasure as we experience here on earth? Or more of a figurative treasure such as joy & happiness? Both of these scriptures seem to point to "possessions" as in a materialistic treasure. Also, this brings up another issue. I've always had the mental image that Heaven will be full of joy & happiness & anything you desire you will have, but according to these scriptures it's almost as if it will be as it is here on earth.. Won't some people have more treasure than others? I'm under the impression that we store up treasures in heaven by doing good, selfless acts for others & not receiving anything in return (on earth) for those good deeds. In my mind I kinda picture a little piggy bank in heaven with my name on it & each time I do something selflessly for someone the sound of a little coin tinks around in my piggy. That's silly I know... but with this thinking, not all of us will have the same amount of coins in our pot belly's when we get to heaven.
Isn't it general idealogy that people who have more "treasure" or money or material things on earth are happier? So what will it be like for those who get to heaven and have very little treasure? How will those people have eternal happiness?
Maybe I'm going way off the deep end with this scripture. Or maybe I'm overanalyzing it, either way, I got out of the shower & did what God asked me to do. I have to have the mindset that since it was something God asked me to do, that some good will come out of it & He will receive all the glory and praise. If I don't see any results... at least I know that my obedience earned me a nickel upstairs!

BTW: Please feel free to post what you think about this! =) We can just have a lil blog bible study!