General Discussion

You hit on a key point about wealth being tied into the value of something else, in your example, the stocks and property values.

While it's similar, most wealthy people do have their assets tied up in stocks and property, they does not preclude them from using that wealth in better ways.

Now, doesn't scale the same way for people like your family because they just don't have the same level of utility in their wealth that a billionaire does.

They can put that all into a trust or foundation or some other instrument, that allows them to leverage the utility of those assets.

Trust me, they are billionaires, there are absolutely people out there that can help them make use of the assets they have to help people, in a smart way that preserves their holdings but leverages its value, if they wanted.

Billionaires choose to be billionaires. On purpose. They don't have to be.