@hgomersall: emerging from a lucky orifice is in fact the main thing in life if you think about it. After all, we are collectively a computer made of monkeys, and the function it is computing is natural selection. Kin selection is one aspect of it. Everything else - including money and innovation - is window dressing.
These appeals usually go like this: we should stop providing more free money to the people who are strong enough to go and take it. Individually we are weaker, so let's stop this collectively. But someone needs to lead the collective. And just like that - you have created another strongman who will just take what he can. In other words: Communism.
Why should having money ever give you a return on that? I ask that question in the context of moral philosophy, not a capitalist society. Surely there are better ways to determine how an individual should live that doesn't typically amount to emerging from a lucky orifice?
Our entire society is based on being forced to gamble. If you don't invest your money in some capacity then inflation will eat you alive.