This. This is really important to understand because it's the fundamental cause of the divide between the super-rich and everyone else. Not only do you get access, but you also can start to buy influence with the government to tilt the playing field in your favor. These two things cause a positive feedback effect that lets people above a certain threshold of wealth continue to grow that wealth at the expense of everyone else.

The real problem is that everyone seems to want to believe that they too can reach this level of wealth by "working hard and playing by the rules". As a corollary, they believe that if you're not rich it must be because you didn't work hard enough or didn't play by the rules. Of course, this is false, but there's no way to fix the underlying problem as long as a majority accepts this false narrative.