It's not like any of us ever did anything completely new, isolated and unaffected by influences and contributions of those around us, and those who came before us. Trying to capture 100% of the value and getting up in arms about "freeloaders" is a deeply antisocial form of greed, and usually the thing people accuse companies of doing, claiming it's a hallmark of "late stage capitalism".
> how a civilization is built
No, civilization is built by people who do actual work. Some of that work is services/research and building/maintaining stuff, some of that work is connecting supply and demand. The reward should go to the people doing the work according to how much work they do and their skill level.
> late stage capitalism
Nah, that's the idea that money should be able to create more money without any input of work. And before you say they made that money through work, no they didn't, they either inherited it or got into a position of power from which they can take a disproportionate cut.