Wealth is transfer from one part of the economic system to another, and extreme wealth is basically hoarding; why is it so difficult to reach a point of diminis

Wealth is transfer from one part of the economic system to another, and extreme wealth is basically hoarding; why is it so difficult to reach a point of diminishing returns of wealth and then give it back in some way that is more impactful than arbitrary philanthropy? One cannot simply say government is inefficient because it is pretty clear that this current system is inefficient in distributing wealth and raising the living standards and reducing the suffering of others (because it has specifically been degraded and played by the wealthy so that they retain as much wealth as possible). The game of wealth accruing that everyone is playing is simply based on an economic system right now that depends upon money, and is a closed system facilitated by the government. Where else does _money_ come from? There is no other source. (Crypto is a joke, because is basically now valued in terms of fiat, so let's not add that to this discussion. It is also a small part of the bigger economic system, which again is founded upon fiat.) So, this game of an economy founded upon money, what's the point? We no longer act as groups gathering resources from the natural environment; we are now individual actors forced to gather an intermediate resources (money), a reality and an abstraction for resource transfer. I am genuinely curious how the economy can truly be used to reduce suffering of others and create more stable societies. (please note these are armchair philosophy, economics, sociology points, which would benefit from research.)