I was with you up until this part: > I trust wealthy individuals to invest that extra 10% into efforts that benefit society much more than I trust the governm

I was with you up until this part: > I trust wealthy individuals to invest that extra 10% into efforts that benefit society much more than I trust the government. Those wealthy individuals can, in general, be trusted to do things that benefit themselves. Corruption be as it may, the government is still in the business of the greater good, however imperfect.