I don't think having the money causes the problem, it's the journey to get to that point. People like MacKenzie Scott or lottery winners generally don't act like this. But aside from those rare instances, in order to make it to a billion dollars you need to consistently exploit people and absolutely refuse to use your power to help others in any significant way. You have to wake up every day with a hundred million dollars and think "the best thing I can do with this money is use it to make more money".