This reminds me of a character in Cyberpunk 2077 (which overall i find to have a rather naive outlook on the whole "cyberpunk" thing but i attribute it to being based on a tabletop RPG from the 80s) who is an AGI that has its own business of a fleet of self-driving Taxis. It is supposedly illegal (in-universe) but it remains in business by a combination of staying (relatively) low profile, providing high quality service to VIPs and paying bribes :-P.

> I guess this could be a facet of whether you see economic advantage as a legal conceit or a difference in productivity/capability.

Does a billionaire stop being wealthy if they hire a money manager and spend the rest of their lives sipping drinks on the beach?

Opening accounts, moving money, hiring, and firing is labor. You're confusing capital with money management; the wealthy already pay people to do the work of growing their wealth.