I have realised over my life. Hard work and honesty and good morals don't get you any capital in this world.
Rich people are not hard working....they are greedy. The exception is that they worked hard....the rule is they cheated....
Show me a rich person and I will show you incompetences and ignorance to match their wealth.
I would go so far as to claim they are much like water filters.
The flow of the current runs through it and a healthy economy will filter the water without retaining it, but providing value. However, it's retaining water, and causing pools of water to grow stagnant within the filter and occasionally these stagnant pools pass through and ruin the water.....