Partly there are wealth disparities, but there is also less value in building wealth in systems where your healthcare and pensions are reasonable even if you ca

Partly there are wealth disparities, but there is also less value in building wealth in systems where your healthcare and pensions are reasonable even if you can. Unless you're dead set on leaving an inheritance, there is far less risk in spending what you can, or e.g. buying annuities that will run down your assets but guarantee you a lifetime income.