I agree it's not fair, but that's not to say we should just give up and let things stay the way they are. Plenty of interesting thought experiments about things like universal income, and just the fact that things today are better than they were historically, (hard to quantify, but access to information is a big one too, for example)
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Yes, you're right. Also it's not just about fair. It's about what is best for everybody. I believe public schools are best for everybody even though richer people pay more in property tax. Do wealthier people want to be surrounded by a bunch of illiterate people? I doubt they'd enjoy that sort of society.