Once again I will kept saying it, billionaires pilling up money is the mandate of the base ego. It may not be good, but it is quite natural. Now of course few have either the ability or the opportunity or to do so, thus they try in other ways. It is just another way of saying that humans are competitive.
And because this sort of over the top competitiveness is not good for society, we band together to form governments of rules and regulation. But of course the super competitive and aggressive types will always seek out ways to bypass society’s rules.
Indeed, it will always be a never ending tug of war between rule makers and rules breakers. In the end it’s all a three dimensional game of Darwinian chess.