Almost nobody gets to $1b overnight. To get to $1b first you need to have $100m, and to get there you need $10m. Each level of that is life changing.

I'm sure that by the time you're worth $10m your entire social circle has changed. If you're really lucky you have old friends who have known you for decades who you can be pretty sure like you for yourself, not your money. Probably some friendships have ended after someone you thought was a friend made a request you thought was unreasonable. You have certain parts of your family who you have cut off contact with because you think they just want your money, and other parts of the family who either your money keeps in line, or who are able to keep acting normally despite the money.

To have and actually keep $10m, you can't still be the kind of person who helps people in need and is generous to friends and family. There will always be people with debt problems, medical issues, legal problems, housing crises, etc. So, either you were never that kind of person to begin with, or your heart hardens a bit as you get richer.

I'm sure those kinds of changes keep happening, and at each level more and more people are cut off. Or, those people are kept in line by the use of the money. By the time you reach $1b, you can't really see the average person as fully human. $1b could relieve so much suffering. You could give away 1 percent of it and not even notice, and completely transform the lives of dozens of people, hundreds if you're talking about people in developing countries, etc.