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You just keep killing enough people down the chain of inheritance of the money.
They use mob tactics, we use mob tactics.
How, how exactly are you going to 'take their money'?
With a ... law? A wealth tax?
They control the system that would implement such things.
Social power structures and incentive systems have always operated through more than just the plainly stated, officially emphasized mechanisms.
I would argue that actually the reason why more common people don't act more 'forcefully' is the reasons you outline as applying to the billionaires.
Set it up as a modified game theoretic prisoners dilemma.
The average person, despite standing to lose absolutely much less, is much more afraid of losing what they have, because they determine that they much more likely to be caught and punished.
So, every common person thus 'defects' against every other common person, despite them all standing to gain massively if even a minute percentage of them learn to become Great Value Brand Agent 47.
Of course, there are a number of multi millionaires and even billionaires that already recognize that when enough common people do not fear death, we will just kill them.
Thats why a good deal of them are building bunker complexes... but also another subset of them choose the strategy of basically begging to be taxed.
Morality totally aside, trying to determine actual true beliefs vs outward actions aside ... it would make strategic sense to reward those begging to be taxed for at least outwardly displaying more humane behavior, by not going after those ones.