Basically, more or less all human traits are normally distributed (bell curve), but wealth is not (very sharp curve). Even if we leave aside the moral/political question about whether money SHOULD be distributed based on 1 or more particular traits (intelligence, risk taking, etc), we can infer that it is NOT distributed in such a manner. So non-human, random, inconsistent, unfair, or otter similar mechanisms are likely driving wealth distribution under quasi-capitalist systems.