But rich people make their money from investments, which are generating more money all the time, independent if the rich person works or not.
That's a massive difference, and it makes sense that employed people would have fear of losing their money, because there would be no ways to pay for accommodation, or food, etc.
There's no doubt about it, people worldwide have their own way of making a living. There are the rich, millionaires, as you say, who make a fortune when an investment turns out well. Of course, one, but there can be many, so obviously the amount of money they're going to receive isn't the same as that of a salaried employee.
A person who depends on their salary has to do a lot of things to make ends meet, and if they have a family, the liability is worse, so they have to work hard, That's why they're so careful with their money when gambling in a casino They have to have 1000% liability.