I have been as poor as a church mouse at times watching every penny, other times was ok and had enough to get by on with a small savings pot, now I have more savings but no income to speak of! Not once did I think anyone who had more money than me should feel guilty!
I have worked all my life and sometimes life throws you a curve ball and you have to deal with it, sometimes all your hard work (or your family circumstances) means you have a whole lot more.
Its no skin off my nose if someone is rich or not. Good luck to them, its up to them to do what they want with thier own money.
If I was rich I wouldnt feel guilty at all, I would still give to the same charities I do now, would help out any family members who needed it etc but if I was suddenly rich my first priority would still be to ensure my kids are ok for the future, I am ok for the future and to enjoy the here and now. O wouldnt go overboard spending money like water, thats never been me and that wouldnt change but I wouldnt feel guilty that I had bought myself something nice either.
Of you are rich through hard work in your line of work, enterprise, being in the right place/right time or self made millionaire etc then you deserte what you get why shouldnt you enjoy it?
If you are rich through family money, marraige etc then thats hardly your 'fault' its just life.
If it hasnt turned you into a self serving, arrogant monster and you are a decent human being then you dont owe an explaination to anyone any more than someone who has less money than you. Many rich and super rich do give to charities, help raise funds, support causes etc on the quiet without fuss, its not for me to ask if they are or are not giving their own money away, its their business.
Wondering how much money someone has isnt first in my line of questions when I meet someone new, I really dont care.