Some top earners are ethics and morals challenged, yes. But the vast majority are not. Most do not want to put at risk the fortunes they've worked for, for themselves and their families.
On the flip side, you have the relative many middle and lower earners (or non-earners) who game the system routinely. Medicare/medicaid fraud, soc sec fraud, disability and workers comp fraud, welfare mothers popping kids out for increased benefits, illegals popping kids out for anchors and access to benefits, immigrants overstaying visas, illegals coming in for jobs (not to participate in the USA as citizens or even as interested residents), food "stamp" recipients using the benefit to buy all kinds of things they shouldn't be, and on and on. Each one of these slights seemingly small in the grand scheme, but totaling up enough to overwhelm the evils of the "rich" and overwhelm society. But each being small, the individuals involved think what they're doing doesn't matter that much, they're just getting their tiny piece of the soul sucking, free-money pie. Being small, each transgression is relatively easy to justify on the moral barometer, and each after gets that much easier. And so many at this level feel they have so little to lose. Its easy and pernicious.
Does this excuse the big wigs with the big money making big plays to game the system? Absolutely not. Regulations and laws are in place to keep them under the thumb of society. And being relatively few in number and their games big and relatively easy to spot and weed out, they are kept under control for the most part. It is the great swath of the rest of society that has the real ethical issues to deal with, who are small time enough and diffuse enough to often evade detection on an individual level, and thus are not under any thumb except that of their own conscience and the peer pressure of their friends and family. Society is crumbling, but it isn't because of the rich, it is because the rest of us have come to let so much slide.