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I'd say that most of the upper .5% or so got there not from hard work, but lucky or smart work. For example, current "richest" man alive Jeff Bezos is "rich" because he was simply the earliest guy to get online retail off the ground that didn't go down with the dotcom bust, and also relentlessly...

The issue behind it is that the amount of resources the currency was being used for was balooning to the point that there was quite simply not enough valuable metal on the planet to back it. The dollar stopped being gold or silver backed when almost all of Europe, and many other countries around...