What is ultimately better for capitalism: $100 in capital held by each of 100,000 people, where chances are at least one will utilize the capital to invest in

What is ultimately better for capitalism: $100 in capital held by each of 100,000 people, where chances are at least one will utilize the capital to invest in an innovative new idea or trade in a marketplace, or $10,000,000 held by 1 person, where chances are that person is an heir who plays videogames all day