The top 22 billionaires have over 50bln. Most are businessmen, a few are heirs, one is a women heiress.
Soo, some worked for it, some inherited it. But most worked for it. IMHO even inheriting billions takes work to grow, so likely they are part hard workers, and partly desire "more" likely in life in general, not just with their money.
So if there are 500billionaires, and 5% of them have over 50...that means the other 475 only have less than 50billion.
it could be partly that the rich get richer, but we all know that doesn't happen entirely on luck alone.
I look at someone like Jay-Z and Beyonce, I think TOGETHER they are now worth 1 billion. They put in a lot of work to get to that point, its very public how they became billionaires...they basically just sold a lot of records together, and then branded that success.