I don't think having the money causes the problem, it's the journey to get to that point. People like MacKenzie Scott or lottery winners generally don't act like this. But aside from those rare instances, in order to make it to a billion dollars you need to consistently exploit people and absolutely refuse to use your power to help others in any significant way. You have to wake up every day with a hundred million dollars and think "the best thing I can do with this money is use it to make more money".

>> in order to make it to a billion dollars you need to consistently exploit people and absolutely refuse to use your power to help others in any significant way.

I would categorically disagree with your statement.

Jeff Bezos

Elon Musk

Bill Gates

Mark Zuckerberg

All billionaires. All have created one (or multiple in Musk's case) products that have greatly benefitted society in numerous ways. The Gates Foundation has donated billions to causes all over the world. Bezos has committed over $3B to various charitable causes.

Also, More than 70% of lottery winners will run through of the money they've won and be right back where they started before winning. Further proving my point the people who win the lottery are not visionaries and have no desire to create products that will change people's lives. They're just happy to have the money.