Well said. As always, you can not control the character of other people. Most will do the proper actions when given the opportunity however the ones who don't tarnish the image of the others.
I believe that if all the wealth in our nation was confiscated tomorrow yet the free market economy remained, the same people who are wealthy today would be wealthy again within a couple of years. It is the characteristics of individuals that put them where they are, not fortune or luck. Sure there are always exceptions such as health, lotteries, or natural disasters that affect this, but time reveals the true character even in these cases.