If you’re as rich as these people and you’re not spending your time helping others or donating money, you’re a bad person. The money obviously doesn’t mean anything to you anymore, so at that point it’s just trying to get a “high score” like in video games.
The only way to get this rich is by exploiting others.
For public group chats sure, Discord already has this feature. But it’s very inconvenient and annoying for private group chats.