The difference is that inheriting huge amounts of money leads to a group of people that have power from their money (if they have a lot), but they aren't invest

The difference is that inheriting huge amounts of money leads to a group of people that have power from their money (if they have a lot), but they aren't invested or aligned with society getting better. They are against the success of regular people., who can believe that their success is aligned with using their power to change society to their own benefit. This doesn't always happen of course, but these rich people can believe irrational things, they can screw up society. You can be this way even if self made, but I think if you were self made the things that worked for you on the way up help you be connected to the real world.