"Intellect" is not fungible. For the most part, you can't take a financial wealth " expert," relieve them of their job, and expect them to go cure cancer.

It sounds like you're saying inequality is not the problem; the problem is that the wealthiest people need more diversification?

Weathy people can vary a lot in their proclivities. Gates can try to solve malaria, Musk can buy Twitter, and Buffet can just drive himself to McDonald's in his old Camry.

Some wealthy people are risk seekers or take an interest in Bitcoin, but I don't think a lot of wealthy people spend a lot of time actually worrying about maintaining their wealth. They can lose 90 percent of their wealth and maintain their lifestyle. Can a billionaire live off 100 million? Probably just fine.

Also, I could be wrong, but I don't think most people consider their "relative share of the world's wealth." They worry about immediate needs, purchasing power as it is lost to inflation, and comparing themselves to their peers.