It also crushes the rest, who might not be gifted or lucky enough to catch a break, despite their continual efforts. Not to disregard your circumstances, but humans irrationally see patterns in randomness. As a counter point: wealth also makes great people (pick any noted 16-19th century scientist, and there's a good chance they were wealthy & could afford to dick around long enough to discover fundamental laws. Alternatively, look at political, startup and corporate leadership)