Philosophy was for privileged Greeks sitting in the coffee town pretending to do fair politics while women and slaves had them as kings. Life is pretty simple and doesn't need philosophy or thinking too much about how things are.

The rich people you refer about stay rich as a result of privilege not because of play. Its pretty darn obvious that if a family has money it also has connections and just by leaving the money in trust funds you can multiply it without effort. Connections will get you all you need. So what you refer to as success is just inheritance going down the line.