You'd have to create a threat linked to the money, so that Luigis went after anyone who kept their inheritance or dared to keep the wealth consolidated.

Eventually, someone would disseminate the money to survive.

On a related note, someone needs to hunt down private equity brokers and unethical venture capitalists the way Nazi hunters went after escaped Nazi officers after WWII, either to Luigi them or to bring them to international tribunal. Although, since nations can be influenced by ultra-wealthy oligarchs, it might not be possible to form such a tribunal. And that brings us back to the frontier justice of goomba-stomping plumbers.