Yeah, that's the thing; once you have a billion dollars, you are set for many lifetimes of extremely comfortable living. Allowing a single person to suffer while you have more wealth than you can spend in a dozen (or more) lifetimes is pretty cruel. I mean, I don't really see how it is significantly different than hoarding.

I've never had billions of dollars and realistically I probably won't ever have billions of dollars, but I would certainly like to think that I'd keep enough for myself to keep myself thoroughly entertained, and then give the rest away somehow.

Of course, I've never been tested with this. Maybe if I was gifted billions of dollars I'd be as evil as the rest of the billionaires.