The wealthiest’s wealth is all invested in the economy, literally the opposite of “hoarding”.
“The lower rates are gamed to increase wealth disparity” is false–they are that way to encourage entrepreneurship and the like, the things that keep the economy strong. The fact that those who create the things that strengthen the economy become wealthy faster than those who don’t is a feature, not a bug. A rising tide lifts all ships. And make no mistake, one’s assets appreciating in value takes nothing away from those who haven’t invested–the latter group’s level of wealth is not affected by the former’s. In other words, the wage my job pays me does not change based on how wealthy other people’s assets are, from the billionaires, down to even a neighbor whose house has appreciated in value.
Wealth disparity is not inherently a bad thing–a century ago, the ‘gap’ was much smaller, as was the number of billionaires, but the average person’s wealth was also MUCH lower.