It's not fair because some people inherit enough money to never have to work. If you actually wanted a fair system then we would all spend our childhoods in a boarding school with no contact with our parents, and no inheritance. But that's not feasible, so we're stuck with this unfair system. But let's not pretend it's fair.
Those who "create value" often don't. The continuing enshittification of everything is removing value from customers, yet the CEOs who are forcing it on their customers are getting paid vast salaries. We all know that they're destroying value and that their organisations will eventually be replaced by ones that actually value customers, but they continue to be rewarded.
You have a very naive view of capitalism.