Some people were lucky enough to be born into wealth, as their family had already made all the investments they would have needed to make in life now, they had just been born to come and enjoy, talking about people born into huge trust funds. Such persons do not need any form of personal skill or self-development. Some of these persons are so lucky that they do not even need any skill in financial management to keep the wealth because the money is so much that they cannot spend it in one lifetime, so yes without direct investment there could still be some wealthy individuals.