The book makes a compelling case for why some individuals should be worth a million times more than the rest of us. They have been born smarter, more obsessive, more curious, with higher tolerance for risk, and less conformist than the rest of us.
Money motivates these individuals to work hard. They put the money they earn to better use than the rest of us would, for they continue to spot and finance the ideas that the rest of us would neither notice nor know how to execute. And if they fail to spend their money, well, then more is left for the rest of us.
It is easy to overlook the significance of PayPal just as it is easy to overlook the significance of any financial innovation. PayPal does not produce shiny objects one can hold and admire or drive. Paypal does not suck in your attention and devour your life. Like plumbing, the less you notice it, the better it is. PayPal quietly cares.