I think the modern financial system is pretty efficient at using that cash while it's "sitting around", if it's in the bank it's being lent out to somebody, if

I think the modern financial system is pretty efficient at using that cash while it's "sitting around", if it's in the bank it's being lent out to somebody, if it's in bonds it's financing either government or corporate activity and if it's in stocks then it's in a partial ownership of a company that helps capitalise that company. Just because that money is concentrated in a particular place doesn't mean it's not doing society some good. I don't think people get rich or stay rich without putting in an incredible amount of work and I truly don't understand why you would penalise people for being successful.