I think that, somewhere north of $1 ~ $5 million is life-changing on its own. There’s no need for someone to have tens of millions or hundreds of millions. Tens of millions is like, changing multiple lives in a family with how much that can stretch.
Whenever someone has billions to their name, it is boggling to think about. That it becomes just ‘fuck you’ money at that point because more often than not, not a lot of billionaires out there being charitable. When they know they’re set for a few lifetimes just by a single billion alone.
No single person should ever have that amount of gross wealth.
I’ve read your post a dozen times and I’m confused.
Are you at the $5 million cap in this scenario? You’re certainly not going to waste away with $500k/year coming in, labor free.
Or are you closer to median income of like $80k, and thus have no funds for a big passion project?
Either way, you can always pool resources and form an organization of some sort. We don’t really want a ton of power collected in individuals. Especially not if the only reason they have that power is because they had money.