re: regular people and their money, I will say, something about the bigger picture just feels off. I look at the graphs you linked to, and do not see it reflected in the people around me. I don't mean to be dismissive of the data, more that I feel like I am missing something, or it is, if that makes sense?
Furthermore, wealth applies more pressure against certain costs like housing[1] than against others like food or durable goods. Cheap toasters only go so far in making people feel like they aren’t falling behind.
[1] https://www.jchs.harvard.edu/blog/home-prices-surge-five-tim...
The reluctance to give up resources also an understandable aspect of human nature, but power concentration in the hands of the few is always problematic. I'm very much a capitalist but the last few decades have persuaded me that wealth taxes are a necessary and moral correction to capitalism's unfortunate spiraling acceleration of inequality.
For instance: marketplace competition requires some regulation, but recognizing that regulation is a necessary evil with many opportunities for abuse (e.g. regulatory capture) helps inoculate against socialism's worst excesses.