Dig a little into the idea that people can "pay" with their attention (and with their poor health, crappy buying decisions, personal freedoms) might fit the dictionary definition of sinister.
why should those at the top 5% pay for more than basic subsistence to the 25% at the bottom? Welfare is for survival (and survival only), not for services that is not essential.
Maybe that wont happen in our current system for a generation or two. But then the question those 5% at the top have to ask themselves is whether they feel lucky to avoid an uprising against them in their lifetime.
The bottom of that 5% looks like extremely upper middle class. Big houses, probably a vacation somewhere nice once a year, new cars fairly regularly, etc.
The middle most likely live in gated communities, with any kids going to private schools. They fly first/business class everywhere and can probably even afford to buy one of those tickets at a moments notice. Their closet is worth more than most people will earn in several years of working.
At the top end, these people have multiple tennis courts, pools, basketball courts, etc in their back yard. If there is something they want, they most likely have staff on hand to handle it. If they want to go somewhere, they hop in one of their private jets, helicopters, or chauffeured cars and go there. Oh, and they have a team of lawyers ensuring they never pay a dime in taxes.
Source: spent some time with each of these personas in my life.