There's a discontinuity having to do with how, as an actor in this sort of game, you can only give a dollar to one person at each step of the game, but by rando

There's a discontinuity having to do with how, as an actor in this sort of game, you can only give a dollar to one person at each step of the game, but by random chance ALL the other actors can give their dollar to you. There's also a discontinuity if you leave out the debt part, further aggravating the problem, but the bottom line is if it's random then you can have tons of people giving their dollar to one person for NO reason. And the person with all those dollars still (by the rules of the game) gives one dollar away each step. Pretty sure that's how it arises. Think of it as, the ultrawealthy actor is no different or better than the others, but they 'went viral'.