Higuain, 28, joined the Scudetto holders on Tuesday for a Serie A transfer record fee of €90m.
Totti, a one-club man, is unimpressed with the Argentine's decision to switch alliances.
"Modern players are a bit like nomads. They are following the money, not their heart. Not many athletes follow their heart. They decide to move elsewhere to win trophies and to earn more money," Totti told La Gazzetta dello Sport.
"Football has changed a lot, it is all about money now. Players change teams all the time, to make a bit more money elsewhere. It's more about money than about passion.
"People go to the stadiums to enjoy themselves and to see players in action who will always be with their team. They expect not to be betrayed.
"Just look at what happened with Higuain, leaving Napoli for Juventus. It's a disaster.
"But it is apparently quite normal for a foreign player these days to just leave for another team where they can make more money. It's a mentality problem.
"Not all foreigners are like Maradona," he added, referring to the legendary status Higuain's compatriot Diego Maradona enjoys in Naples. Maradona, who only played for Napoli in Italy, inspired the Partenopei to league titles in 1987 and 1990.