&gt;How does this work, generally? Sure, there are people with &quot;so much wealth they don&#x27;t really know how to allocate it sanely,&quot; as you say. But ultimately what happens with it? The &quot;super wealthy&quot; don&#x27;t have it sitting under their mattresses--it&#x27;s in all kinds of investments: stocks, property, etc. I don&#x27;t really get the point in your words, other than &quot;some people have more money than others&quot;.<p>Well, those &quot;investments&quot; need to have a rate of return&#x2F;profit, and the more money is chasing the same amount of investments, the lower that rate drops.  Eventually, you get the holders of concentrated wealth investing cheaply in bad ideas because, well, all the good ideas at good prices have been bought.