Wealth concentration implies that someone doing something valuable over there is making what I do less valuable. It's the wrong thing to think about, IMO.
A valid question might be: could we have higher quality lives if we made it easier for people to create competitors?
Another one might be: how do I have a much better life than a monarch of my country from only 200 years ago?
> lobbying made sure of that
Lobbying does nothing. People who write and enforce regulations are the ones doing it.
For example I as a software engineer do not have enough money to start my own business despite having worked for around a decade. This is because the salary I earn and the amount I've saved is not enough to keep me afloat and start a business.
> Another one might be: how do I have a much better life than a monarch of my country from only 200 years ago?
Most of those gains are from socialized benefits, or due to the regulations we've created due to our experiences with rampant corruption or issues with societal growth.
Inflation comes from: policies making things more expensive to do; taxes making foundational things more expensive (e.g. fuel, which affects most goods); minimum wage laws, which bumps up costs of goods and services; inflating the currency, which taxes your savings; ever-more tax and trading laws, that require businesses to employ more people to keep on top of them, and pay auditors to make sure they're following them. Inflation isn't out of nowhere. Businesses try and get prices down, so they beat their competition so you choose them and not someone else. But they are fighting all those forces, and more, all the time.
Wealth isn't the same as money. Having a majority stake in a valuable company is wealth, but it doesn't affect your wages at all. The idea of wealth concentration is built on the false premise that "net worth" is in any way to do with money, instead of mostly just being silly headline fuel.
> Most of those gains are from socialized benefits
No, they're from inventions. Most things that look like societal benefits are downstream of technology and enterprise. I can take painkillers if I have a headache, wear glasses if my eyes are imperfect (or now, contacts, or laser eye surgery), have healthy teeth my whole life, not worry about Polio or the Measles, and for an extremely low sum due to continuous improvement, innovation, and competition.
That's why OP says the following:
> It's even harder for new businesses to start up because costs are high enough that you NEED investment funds.