Define "too rich".
Too rich in moral terms? It is a zero sum game in the end, so the richer you are the poorer other people will be. Unless the government just prints more money...so yes, it is a zero sum game.
Too rich in practical terms? Is there a practical difference between, for example, having £1B and having £1.5B? Not in your life, no. It's just a score. You can't spend it without deliberately wasting it by farcically over-paying for things.
You could make a practical difference outside your life, though. Personally, I'd keep myself as rich as is actually practical and use the rest of my income to fund research. You could fund a lot of small research projects that way. Maybe every now and again one would turn into something profitable, thus generating more research funding.
87K for a bottle of champagne? Yes, it's silly. But if she has such silly amounts of money that 87K is a small amount of money to her, then why should she care? If she has enough money, then 87K is a trivial amount of money that she has absolutely no use for, so it doesn't matter what she spends it on. It's not even a matter of percentage of income, since x% of the income of a poorer person is worth more to then than x% of the income of a richer person. If she lost 10% of her income, it wouldn't make any difference to her life. If I lost 10% of my income, I'd be screwed.