It is the failure of a system of inherited wealth. Intelligence is not hereditary in humans. Inherited wealth has no meritocratic order. A lack of meritocracy is terminal cancer. Any inheritance beyond a trust fund for life covering an upper middle class life is the issue. Solve this one issue and it removes every problem name you know. Japan already solved this problem politically. You do not know the names of any Japanese problem billionaires. It is not a coincidence.