A billionaire (or a sufficiently wealthy millionaire), along with their family, has practically unlimited agency. You don't. Their wealth is also self perpetuat

A billionaire (or a sufficiently wealthy millionaire), along with their family, has practically unlimited agency. You don't. Their wealth is also self perpetuating. A billionaire can spend 1% of their wealth hiring well compensated professionals to manage their wealth and keep it growing. Just the fact a billionaire has their wealth means they have access to influence and opportunities you will never have. Even someone with a mere hundred million in wealth only needs a 1% yearly return to have a million dollars a year. Even that paltry amount would allow them to live better than anyone you or I know.