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I think this touches on the concept of labor aristocracy pretty well. But at the point where you're a billionaire, even labor aristocrats would have needed to do some level of exploitation. At which point, they're just doing the same thing the owning class does.
For instance, once you start doing shit like licensing IP (private property is theft; including "intellectual property"), creating fashion brands, perfume, and other forms of "passive income" (A.K.A. stealing from someone else) like that, you're not really profiting off of your own labor anymore. You're exploiting others.
I don't think anyone from labor aristocracy can ever get to the point that they're approaching billionaire status with clean hands (relative to how "clean" one can be under capitalism). But artists like Chappell Roan aren't anywhere close to that, as someone else pointed out.
I agree with you overall, apart from one point. Push enough inflation and we’re all billionaires. The line itself is arbitrary. Large sums of money can be gained ethically and small sums can be gained unethically. The billionaire line I think serves as a rule of thumb that is only very rarely excepted, so the real crime is not being a billionaire per se, but the means by which one gained any amount of money. Focusing on billionaires just more concisely highlights several often overlooked exploitations.
Sure. For me, billionaire is basically just shorthand for someone with an amount of wealth that is impossible to attain without most of it coming from exploitation. If the unit or value of currency changed, the underlying meaning is still there.
But with that, I don’t believe there’s a hard ceiling on ethically gained money. There’s an ethical obligation not to retain that degree of wealth, but getting there isn’t inherently a moral sin in my mind.