"Distribution" is a neutral term that refers to how quantities are spread out in a population. E.g. you can talk about age, weight, or height distribution in a population.
Edit: no one would ever talk about the distribution of "ability at basketball" for example.
Distribution is just a mathematical concept - it doesn't care what type of variable you are looking at.
"Wealth distribution" is a descriptive, not a prescriptive concept, just like "height distribution." Here is a system applied to some population; let's measure how some quantity ends up distributed among that population based on the behavior of the system.
> So, do you believe wealth is earned by hard work and diligence or that it is distributed by some kind of greater power?
I don't believe either thing absolutely. I believe wealth can be earned by hard work and diligence, but that those things are neither necessary nor sufficient. I believe wealth is often distributed by a greater power in effect if not in literal practice through things like regressive taxation and systematic difference in access quality education that have a disparate (and in my opinion, inequitable) impact on those of lesser means.