Think of a simulation with a large number of agents. They have randomly assigned wealth at start. Agents meet one on one randomly and engage in a transaction.

Think of a simulation with a large number of agents. They have randomly assigned wealth at start. Agents meet one on one randomly and engage in a transaction. In the transaction, the richer gets a slight amount of money from the poorer one. If you run this simulation for long enough, one agents gets all the wealth and everybody else gets zero. It's the nature of the system. There's no good or evil, it's just a simple simulation.