The difference with multi-millionaires and billionaires is that they can cover they wants and even mere whims, and the whole system gives them opportunities to keep and multiply their money.

With an infinite (fiat) money supply, where money flows are controlled by algorithms, it's a disaster. $400k is a HUGE amount of money for most people. Giving that much money to 400 people is disruptive.

Someone with $400k worth of assets has a MUCH easier life than someone with less than $50k assets.

If all billionaires and multi-millionaires did this, we'd end up in an extremely unjust society where two sets of people would work equally hard and because of random algorithm-based selection, one set of people would be millionaires and the other set would be essentially homeless. It's a recipe for disaster.

It just multiplies the injustice of the current system. Be prepared for more hacking, more fraud, more theft, more drug trafficking... People who aren't getting the lucky treatment will have to survive somehow in this lottery economy.

There's been a trend now that keeps getting worse; as the mainstream economy becomes increasingly unmeritocratic, the shadow economy becomes increasingly meritocratic; the 'bad' guys feel increasingly justified, increasingly skilled, increasingly ruthless, increasingly good at avoiding consequences. You need to be really skilled to succeed in the dark economy. In the mainstream economy, you just need to be lucky. That's the message unfortunately.

When you help some people in this zero-sum system, it's always at the expense of other people who are out of view.