You can't even compare Destiny and real life at all, let alone in economic terms.
People in Destiny who have lots of exotics, strange coins, etc have no real advantages over people who don't have them (not counting specific pvp/pve weapons, just exotics in general). They also have no way to give these things to others. I know many people (myself included) who would be perfectly willing to give a noob the 385737th Crest of Alpha Lupi we get. People who do not have many of these things are honestly no worse off than people who do. They aren't being held back from various parts of the game.
In the real world, if you are in the 1%, you have nothing you really need to worry about. You have the money to pay any taxes, own numerous homes, buy any food you want, have the best quality utilities, have any level of education you desire, have nearly any[i]thing[/i] you can think of. The extent of your budgeting amounts to "Ok, let's put fifty million aside for those monthly fees. That should cover it." Your taxes, while large in amount, barely touch your vast fortune; you often have un-taxable money in other countries. Alongside all that, you have the financial capacity to help others less fortunate.
Who are these people? Company execs, CEOs, who make their money from the work of others. That isn't to say that they don't do work themselves, that they didn't earn their position, because at least some of them did. If you work hard to be successful, you deserve the fruits of your labor.
If you live in poverty, in general, your life is a struggle. You have to carefully budget out each paycheck, making sure you pay your rent/mortgage, phone/internet bill(s) (assuming you have either), insurance, and utilities such as water, electricity, and waste management. Hoping you have enough for gas (if you have a car/motorcycle) and food, and praying to whatever powers you believe in that you don't have to pay some sudden fee (medical bills, vehicle repairs, etc.). You dread having to pay taxes each year.
Who are these people? Or in this case, the more relevant question is how did they end up in their position? Some, yes, have only themselves to blame. They got involved with drugs or other crime and ended up in jail, or simply made some generally bad choices in life (gambling, alcoholism, an expensive cigarette addiction). But what about the rest? The ones who, but for a sour turn of fate, could be middle-class or even the 1%. They got hit by a car and are now permanently disabled, or had a child with a significant other who abandoned them. Or maybe their child has health issues which are expensive to treat. For whatever reasons entirely out of their control, they are now barely getting by, even with the government's help. The disabled man works as much as his damaged body will allow, the single parent juggles a job and child care, the parents work as much as they can while having to constantly care for their ill child.
A small group of people live in unrivaled luxury while vast numbers of people are going hungry every day, are [i]surviving[/i] more than [b]living[/b].
You see the difference? If you have more money than you could possibly spend in a lifetime, why shouldn't you help those less fortunate? Again, that isn't to say that you don't deserve the luxury you worked for, or that every person deserves to live luxurious lifestyles. But if your daily spending money is more than many people will make cumulatively in their lifetimes? If your car is worth more than the yearly income of an entire neighborhood (in the average city) combined? You can afford to pay a larger percentage in taxes. You can afford to pay your fair share.
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