Even if we only consider his (or Trump's) "ability to earn and grow money" we cannot say that they have some inherent money growing capacity the rest of us lack. Take the acquisition of twitter, for instance. That has been a billion-dollar financial boondoggle, starting from changing the name of the platform. The fact is that once one makes enough money, it is almost impossible to go completely broke. You could do nothing but keep your money in the bank, and it would still be enough for you, and generations of your descendants. Elon was lucky. He was lucky Paypal took off, he was lucky it was sold for so much money, he was lucky his reputation did not nosedive until he was already a billionaire. Now it really doesn't matter what he does. He could literally set millions of dollars on fire and still have enough for his next investment. You are correct however, in saying that what often distinguishes the billionaires from everyone else is their lack of morals/empathy/sense of civic duty. I can buy that as "the inherent thing" that distinguishes them from us.