The way you’re trying to frame this is magical thinking where wealth disparity within our society doesn’t come with sets of nuanced issues that don’t directly effect the wellbeing of society as a whole. After a certain rate of wealth disparity, for instance, those with the most can directly control those with the least with any number of creative ways that mostly amount to “I have money so I can buy people.”
From controlling government officials, to controlling individual level situations like law enforcement and judiciary measures so that they can essentially do whatever they want, which is never used for the betterment of others and always to the detriment of the masses. To leave these things out of a conversation about wealth disparity and quality of life is just disingenuous man.