Are you attempting to make a “they provide jobs” argument? Because they wouldn’t if they didn’t have to. Jobs are an unwanted byproduct of a successful business.
I think you know at least some of the reasons Gabe. There is a series of filters: intelligence, early skill development, a supportive environment, elite networking, risk tolerance, strong vision, perfect market timing, and a business model benefiting from network effects in a market that can only sustain a few winners.
This list might be incomplete. Would you like to supplement it, or do you prefer to continue with the socratic method? I'd like if you did the former, because the latter comes across as arrogant and condescending.
Success depends on some combination of hard work / talent / luck. You can have an extreme amount of all three and get an extreme outcome like being a billionaire, you can have moderate amounts of 2 / 3 and still be quite well off. You can have extreme amounts of one and be successful from very little.
Access to resources helps, obviously, but it is neither necessary nor sufficient.
To your original question about the wealth transfer, this isn't just the rich selling their subscription services to the poor or something like that. It's a much broader subject.
Some ways in which it can happen include inflation eroding wages while increasing asset values, high-interest debt, tax loopholes favoring capital over labor, financialization driving up costs of essentials, government bailouts benefiting corporations, privatization shifting public assets into private hands.
You'll probably agree that some of these things have been happening for decades, and some people want to accelerate the rate at which they're happening.
To claim that it’s not happening is not believable. Why wouldn’t they protect and expand their wealth and power at the expense of the serfs if nobody is stopping them?
Where did the poor get their dimes in the first place?