Most early Bitcoiners seem to have a cypherpunk / open source / liberal background, with a lot of focus on cryptography / code and with comparably little focus on finance / economy. If bankers were involved from the very beginning we'd have a very different rhetoric and very different people. Also they wouldn't be struggling to shoehorn Blockchains into their existing systems as they do now.

Wealth disparity is expected as only very few people entered Bitcoin early. Even today I guess more than 95% of people on earth don't own a single Satoshi. Probably never will. However I assume that for most people that got wealthy due to Bitcoin it was a once in a lifetime opportunity and not yet another investment by someone who already was rich in the first place. Apart from that, most wealth that got accumulated by Bitcoiners is still nothing compared to actually rich people. Bitcoins complete market cap has not even reached Warren Buffett's estimated net worth yet!