I get these 419 scam emails and think "who would believe $10 million would fall out of the sky?" and the only conclusion I can come to is "someone who already had $10 million fall out of the sky".

Some rich people are really shrewd, but people who inherit it often aren't. I had a friend growing up who was from a family that inherited a fortune from a European conglomerate, they were trying to get my parents to get into Amway (poor, but too smart for that shit) and involved in right wing politics.