Thank you for your comments. I admit to having a negative view of inherited wealth, which is fueled by articles like https://www.forbes.com/sites/carlossanchezmora/2022/09/27/the-2022-forbes-400-self-made-score-from-silver-spooners-to-bootstrappers/?sh=195f94bf4f25.
Despite the title of the article, it actually says that 66.9% of wealthy people got their start by growing up in a wealthy family. Rags-to-riches success stories are rare; most of the super wealthy have always had at least some advantages in life. I do indeed mean "most wealth is inherited", because it is. Further, what is left over is more often attributable to luck rather than talent (read the book "Success and Luck"). Inherited wealth grows faster than output and income. People with inherited wealth need save only a portion of their income from capital to see that capital grow more quickly than the economy as a whole. See the book "Capital in the Twenty-First Century (p. 34). Harvard University Press.