How do they hoard wealth? It's not like there's this limited supply of money that they just snatched up before everyone else could get it
Money is a limited resource. Yes, the Federal Reserve can print more when necessary, but they don't just do that on a daily basis, so it's unreasonable to act like it's some kind of infinite resource. If the system is rigged to allow some companies to monopolize industries and also rigged to allow those companies to shovel almost all earnings up to the top, that's a problem. Like four of the richest people in the country are tied to Walmart. That's a company that puts smaller businesses out of commission on damn near a daily basis and somehow many of their workers need public assistance to survive. How does that work? All the profits from the company go to the top. That's pretty much how every major corporation works, so yes people are snatching the money and keeping it from others.
Can you name a billionaire that impacted your life in a negative way and what the problem is for you and how it's their fault?
First, this is a terrible argument. Whether or not the actions of a particular billionaire has affected me personally is irrelevant.
Inflation has impacted me. We know for a fact that a major factor in why inflation is the way it is comes as a result of price gouging. The people behind the grocery stores, restaurants, airline industries, etc... have all been caught doing it, so trace that back to the billionaires in charge of those companies and there you go.
Gas is another example. We've been paying super high prices for a while now while the gas companies have been pulling in record profits. There are a few billionaires behind those companies.
Why don't we have things like Universal Healthcare, free college, universal Pre-K, etc... because rich donors actively oppose those things and buy off politicians. That hurts all of us.
"putting their own financial interests over the lives of other people." Are you talking literally? How? If not then when you're up for a promotion but you're in competition with someone else do you ask for it to go to them instead of you?
What moves are they making that wrecks the lives of tens of thousands of people?
Let's use Walmart again because I hate that company. When I first moved to the DMV, they were planning to open a Walmart. At the time, DC was planning on changing its minimum wage to $15 an hour. Walmart actively opposed that and threatened to not put a store and cancel all the jobs they were supposed to bring. Eventually, DC did raise its minimum wage, but the point stand. These companies do shit like that all the time.
I'm not talking about simple competition. Yes, some companies are better and will inevitably put others out of business. However, there's a difference between that and a company using it's success to game the system so that others can't succeed. That's what a lot of these big corporations do. To use your example, no it's not inherently wrong for me to work hard and get a promotion over someone else. However, it is fucked up for me to work hard, get a promotion, and then use some of that extra money to pay off human resources to make sure that I always come out on top.
Let me give you another example. We were talking about solar panels in another topic. The guy that sold me my panels told me that the technology is basically at a point where they could conceivably build a new neighborhood, put panels on all the houses, have a power station dedicated to that neighborhoood and have everyone pool the overproduced energy in a way that would keep them from every having to be on the grid and ever having to pay an electricity bill. The reason that they can't do that is because lobbyist for utilities and fossil fuels industries have influenced politicians and those politicians have put artificial barriers in the progress of growing the various renewable energy efforts. That kind of thing hurts all of us.