It has little to do with "hoarding" of weath because wealth is not stuff - it's not food, it's not cars, it's not houses wealth is control of the means of production. And we benefit greatly if wealth is hoarded by people who are great at making investment decisions. Wealth is not what you seem to think!
So someone who owns million/billions in real estate, investments and all that other stuff is not wealthy? It is solely controlling the means of production? (which if you do you will probably have all those billions) If you are some trust fund baby with no clue but billions in the bank you are not wealthy? And you twist it around to say that it is good for you if the very wealthy and powerful remain that way because we benefit from their intelligence. Sounds a little like trickle down economics to me.
My initial point to everyone enjoying a life of luxury, where all of our immediate needs are provided so that we can focus on other pursuits to better ourselves, had to do with the paradigm shift that would be required. One that humanity itself could not do because we are not hard wired that way. We compete, we keep score. We want to be better than the next guy, either by pulling ahead or putting a boot to their throat to keep them down. I don't lament this, it is who we are.