> if humans were a decent species, money would not work it's way toward people who already have more

We are a decent species, that's why we've survived this long.

There is also more at play than just humans being "decent". I recommend this short (3min) video: https://www.youtube.com/watch?v=-k_FfS1kHfY

TL;DW it's almost a natural law that things accumulate in a pareto distribution.