The difference is the lower tiers are funds that cover living expenses while the upper tiers represent expendable income beyond living expenses.
Who are you to decide what living expenses are for other people?
This is why they are taxed at a higher rate. Money needs to flow and circulate for an economy to operate at a healthy level. Living expenses continuously circulate. Expendable income often gets saved and invested.
Savings and investments circulate money in the economy. Banks loan out savings at a legal rate of 10 to 1, and investments put money right back into the economy as well. If I invest in gold, the gold dealer now has my cash to spend stimulating the economy.
I’m not deciding what living expenses are for people. There is a basic range that people need to have the essentials... food, shelter, transportation, healthcare, childcare, education and retirement savings. Beyond that are choices of entertainment and luxury, which is great and encouraged. Live the dream and go big, I’m all for it.