I would agree that many people have little capital to start and struggle to accumulate large amounts of capital because their incomes won't allow for such accumulation. (investingarchitect.com)
This hardly shows progress from Dickensian times when the Thellusson Will case was fictionalised by Charles Dickens as Jarndyce and Jarndyce in Bleak House, and led to Parliament legislating against such accumulation of money for later distribution. (newlawjournal.co.uk)
Such accumulation zones are created when large amounts of floating plastic debris are caught by ocean currents and concentrate in the centre of gyre systems. (sciencedaily.com)