What do you mean "undeserving"? What's bad or morally wrong about being a person born into money vs a "successful" one who, as it almost always the case, scamme

What do you mean "undeserving"? What's bad or morally wrong about being a person born into money vs a "successful" one who, as it almost always the case, scammed his way into it? From the group of wealthy people i know, heirs are the best ones from a moral side. Next on are the group of crypto con artists. Then all the rest...