My personal conspiracy is that the rich collectively work really hard to not let anyone know how addictive being rich actually is.
We are convinced drugs are the best high, but i would imagine having fuck you money is way better than that. Anything you want goes, anything you say is brilliant, woman are throwing themselves at you, everyone else wants to be your friend or somehow in your good graces. You can go where you want, when you want, can do whatever you want. You will never experience any hardship normal people are struggling with. You are completely shielded from reality and its consequences through your money.
I also think if that is your life from day 1 you grow up learning that there are no rules, no firm NO. Just not enough money on the table yet. That mentality inevitably corrupts any person, any morals.