It amuses me when people think that “Billionaire” means cash stashed somewhere just waiting to be spent. I am sure the number of people with easy access to a billion dollars in cash globally are much fewer than we can even imagine. It is almost always unrealized valuation.
Bankers love Billionaires as they take the most loans. The loans are secured against their assets and with little risk of default (unless they are Trump and some Nigerians ) and the money from the loans are also more likely reinvested in very productive ventures.
A Billionaire is more likely to have a lower burn personal rate than most people not as rich as they are. Either their costs are borne by their businesses or even their bankers
A Billionaire is typically an endless loop of money that is creating more money. It is not a person who spends stup!dly.