But there are very few people with that kind of wealth, because very few people have the innate drive to do what it takes to attain it. Most people don't have that drive. Most people just want a paycheck and a low-risk life.
If I look at the size of the median house, the price of the median car, that doesn't seem true. If most people would be satisfied with a basic income scheme and nothing more, why aren't most middle class people trying to save half their paycheck and retire before 50?
For a minimum wage worker it is absolutely trivial to see that the tradeoff isn't worth it and subsequently they behave predictably like a lazy person. People acting according to free market logic deserve the stick. Do you see the problem?