The rich should stop thinking so much about "how can I build a better Scrooge McDuck money bin to hoard money" (aka CRTs, DAFs, etc) and a lot more about "why not have my money out there doing something meaningful in the world?" https://www.djublonskopf.com/2015/04/26/how-much-money-would-it-take-to-fill-scrooges-money-bin/