There are plenty of people out there making six figure salaries who don't save a dime of their income and even carry credit card debt, car payments, and house mortgages.

Yeah but like, 6 fig salaries are basically functionally middle-class right now (at least the first hundred - 200k is). Folks in the 200K+ range probably are doing okay but like, for the folks making just barely 6 figures it's more comfortable but definitely not comparable to rich folks... let alone the ultra-wealthy.

Millionaires are fine, honestly, but when you get to billionaires or the ludicrous folks that have 100s of billions - that's gross wealth hoarding and the vast majority of them have not put in a proportionally larger amount of work or ingenuity compared to the people they're profiting off of.