Except the charities can invest said money, and they do. And you control that. So you keep your influence in the market, which is what money is about at this scale.

Indeed, when you have that much money, buying yet another luxury brings nothing. What's really important is power. And with this system you still have it.

E.g: the gates foundation invest the majority of its money (https://mobile.agoravox.fr/tribune-libre/article/bill-gates-...) and the gates family has the control of it.