So most people in the top 3% have rational, planned investment and management strategies, and most people in the remaining 97% bounce around in a seemingly random fashion based on their talents and interests.
That sounds about right. It's not surprising, if that's the case, that the distance between the top few % and everyone else is increasing so much.
In fact, 3% may be about the number of people who put most of their effort into making a lot of money rather than, say, doing work they enjoy or having a life.
The bulge around the average is because you need at least an average income to have a regular life, raise kids, etc. Many people work just hard enough to have an average standard of living.
That sounds about right. It's not surprising, if that's the case, that the distance between the top few % and everyone else is increasing so much.
Most people aren't really trying to get rich.