Musk made a company that jumpstarted some wealth and invested in other things which exploded.
Toto Wolff is a gazillionaire because he too made some pretty incredibly timed investments.
point is, extreme wealth results from some combination of work, timing luck, strategy, and sociopathy, but they're not all required to span the space of wealthy people.
There's no way to stay a billionaire without being one, as long as there's abject poverty and suffering.
I've never had billions of dollars and realistically I probably won't ever have billions of dollars, but I would certainly like to think that I'd keep enough for myself to keep myself thoroughly entertained, and then give the rest away somehow.
Of course, I've never been tested with this. Maybe if I was gifted billions of dollars I'd be as evil as the rest of the billionaires.