Sure - but "effective" here is essentially a random variable, and the central limit theorem does the rest. "Wealth transfer" isn't transfer to/from particular

Sure - but "effective" here is essentially a random variable, and the central limit theorem does the rest. "Wealth transfer" isn't transfer to/from particular individuals. As a group, the wealthiest will tend to accumulate wealth faster than everyone else. Furthermore, it may be possible for individuals to enter/leave this class, but it gets less likely the further you are from the dividing line.