Yes, the swoop in every day and I pay them a percentage for the NEW money that’s been generated (income, gains, interest). I don’t pay them (and neither do you) for money that hasn’t done anything but sit there.
And as to your concern for the ‘wrong’ people having money….again I’ll ask you why you think you should be the ultimate decider of who gets money? Money doesn’t make good people bad. And not having money doesn’t make them good or bad either. You’re working off a very very flawed nexus.