Wallets with the most coins in them are exchanges, which means those coins are the sum of thousands of users balances. Those who owns the most coins are regular ordinary people who started to mine early. "The rich" who bought in later are poor compared to early miners.
Wrong again, here's the rich list: https://bitinfocharts.com/top-100-richest-bitcoin-addresses.html. You can parse these numbers yourself from your own node if you don't trust third party websites.
Wallets with the most coins in them are exchanges, which means those coins are the sum of thousands of users balances. Those who owns the most coins are regular ordinary people who started to mine early. "The rich" who bought in later are poor compared to early miners.