I don't think that physical wealth would have much baring on harvestability.
Remember that an StS entity wants to become one of the elite. If money were a gatekeeper to that then it would be difficult for a young StS entity to look at, in the parameters of your example, Bill Gates and his near insurmountable wealth, with an attitude of overcoming that to become elite.
I think it's imperative that an StS entity have a means of deciding for itself what the definition of elite is, or at least to join a group that will guide it along the steps to becoming elite. This so that it always has before it the opportunity of becoming the MOST elite.
Remember that an StS entity wants to become one of the elite. If money were a gatekeeper to that then it would be difficult for a young StS entity to look at, in the parameters of your example, Bill Gates and his near insurmountable wealth, with an attitude of overcoming that to become elite.
I think it's imperative that an StS entity have a means of deciding for itself what the definition of elite is, or at least to join a group that will guide it along the steps to becoming elite. This so that it always has before it the opportunity of becoming the MOST elite.