Since when is it not valid to analyze how people with money spend it? History teaches us that we should look out for the moment when the powers that be in any social order stop investing in the social order and become mostly extractive.

The desire of elites to separate themselves from the masses is a general symptom of systemic failure. (Not that I'm against libertarianism -- I believe they are correct about being judged as individuals -- but if your answer is semantically equivalent to, "because no one's let libertarianism prevail yet," then I'm going to reply, "evidence?")