Almost any redistribution scheme you come up with is going to look unfair from some perspective. I shy away from "immoral" because that's just a triggering word. What we're really trying to decide are the terms of the social contract, and despite my libertarian past, I am now 100% on board with introducing a personal wealth cap significantly under $1 billion. No person could really spend that much money in day-to-day meatspace activities in a lifetime; it can only be hoarded, squandered, and splurged on flamboyant things, none of which I think we should allow until we get out of climate crisis mode.