I am guessing that you do not know many people who were born into wealth.
There are existential questions that gnaw at some of these people that hinder them from taking the seemingly simple path that you have presented.
I would also argue that it is not as easy as you would think to park millions in some "low interest stable investment" that also does not have substantial (for generational wealth) counter-party risk.
> there is no equivalence between the road the rich and the poor need to walk to survive
I agree with this, but I think you are being overly dismissive of the skills that someone born into a wealthy family needs to keep that wealth.
It requires a healthy amount of self-awareness among other things.
Being a human being isn't easy, many people rich and poor struggle with deep philosophical questions, some people get devoured by questions of relative wealth even when they have very little just because they're among so many people poorer off than them.
That doesn't change the fact that being rich is easy mode for life. Yes, it isn't just a stroll in the continuous orgy park of happiness and funtimes, but there are a lot of difficulties in life that arise out of not having enough money, rich people essentially get a pass on all of these problems.
So, while I'm not saying that rich people never struggle with being a human being and all the existential doubt that can accompany that. I am saying that they never struggle to eat. I think everyone has their own struggles through life and really don't want to minimize problems that can arise in dealing with human issues like poor mental health - but seriously, everything is on easy mode for the rich, and if you don't think that's the case then you should really reach out to other communities and see what low income people have to deal with on a daily basis.
I have seen too many people who were born into wealthy families, "have it made", and yet totally self-destruct in ways that I am not sure I would wish on my worst enemy.
I think another perspective on this issue is worth making.
There are existential questions that gnaw at some of these people that hinder them from taking the seemingly simple path that you have presented.
I would also argue that it is not as easy as you would think to park millions in some "low interest stable investment" that also does not have substantial (for generational wealth) counter-party risk.
> there is no equivalence between the road the rich and the poor need to walk to survive
I agree with this, but I think you are being overly dismissive of the skills that someone born into a wealthy family needs to keep that wealth.
It requires a healthy amount of self-awareness among other things.