Your imagination is limited, especially considering that there was no class system when people were painting caves in Chauvet, nor was there one for the 20,000 years after then. One class of heirs parasitically expropriating from a class of workers is a new phenomenon for humans, over the long term. Capitalism is even more short lived.
> wealth...their funds
Talk of inanimate things is just an obfuscation of theirs (and yours). There are no signs pointing down from the heavens that some heir owns this or that. It scarcely matters any way.
The heirs who do not work have a social relationship with those of us who do work. We work and create wealth, they expropriate surplus labor time from us - if we are carpenters turning $150 of wood and material into $200 every hour, we keep our created wealth as wages in the beginning of the day, at the end of the day we are working only for the heir. They expropriate all the wealth we create toward the end of the day. The important thing is the labor time and social relationship, not the expropriated product of labor.
> helping...responsible
They have no role in such things. History is replete with revolutions and the overthrow of economic systems. Their role is like the czar and his pretenders in Russia - to receive the bullets and bayonet thrusts of the Bolsheviks who were replacing them.