> The wisdom and care required to have and keep billions requires…
I think this is where your logic breaks down. Many billionaires exist due to no more intelligence and ambition than the average person but to have the luck of being born in the right place and time. Many billionaires (Buffett and Gates to name two off the top of my head) have admitted that luck was the primary reason they are multi-billionaires rather than millionaires or lower.
Your "logic" is bullshit because luck doesn't exist. Capitalizing on timing, risk tolerance, excellent anticipatory judgment, self-control, and rich parents also help.
When there’s lots of money and ego at stake, people live their lives differently. Divorce brings acrimony and risk. The guy wants to be a playboy to fulfill whatever need he has, and seems to fritter around and make unwise choices. The spouse gets the prestige and status of being attached to the VIP, and may have her own dalliances.
High level operating people with money or power can afford to live seemingly bizarre lives. They’re just people with the same issues as everybody else, but the cash or influence allows them to make different choices, and for men think with their dick when they aren’t doing business - it’s pretty common.