Just in case you're not being sarcastic—the level of resources you have access to as a child is much more tightly correlated to how much money you make as an adult than individual IQ, at least in the United States.

https://en.wikipedia.org/wiki/Socio-economic_mobility_in_the...

https://en.wikipedia.org/wiki/Cycle_of_poverty

http://blogs.wsj.com/economics/2015/05/12/american-meritocra...

/off

Because one have a soul and may not want to rip off others?

Do you mean rich people don't have a soul and became rich because they rip off others?

I would think most rich people got there because they created something valuable enough for people to pay money for it.

Most rich people are rich because their parents gave them money.

That's so oversimplified that it's not true. mklim's comment is more accurate.