I think what you’re saying is either inaccurate or excessively vague. Many ultra rich people got money by inheriting it, through the stock market, and to a much lesser degree, through government spending programs.
The way you framed the issue is a classic one, and it’s essentially blaming us, the consumers, for creating the problem that we are facing. First of all, that would simply be inaccurate because there are many causes, and second of all, it doesn’t really matter who you blame. The question is how we can fix the broken situation.