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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.