I think you may be underestimating the extent to which the rich attribute their success to merit (ie. they will assume that they won't stay poor), and the allur

I think you may be underestimating the extent to which the rich attribute their success to merit (ie. they will assume that they won't stay poor), and the allure of relatively modest improvements in lifespan and healthspan (say, an extra 10 years of lifespan, and 20 of healthspan).