I think you’re incorrect with your assumptions here.
What are two of the largest billionaires doing with their money? Giving it away! But doing so with great care. I would suppose because they accumulated that wealth with great care as well.
Even if someone invests it, what is that? It’s giving your money to someone else to see what they can do with it. Isn’t it a wonderful thing that we have accumulated capital to the point where substantial portions of it can be risked? I, and my entire family, are very thankful that wealthy people have deferred consumption and invested so that we could get a home loan.