Like a narcotic drug, the effect depends on how much is taken, with a similar confusion between reality and fantasy. The user becomes convinced that they can do anything, that anything is possible. It numbs the senses, creating a cushioned bubble around them against the difficulties produced by reality.
They become less and less interested in those without money, possibly feeling paranoid about anyone planning to take it from them.
They have allies in governments who have always been on the side of the wealthy. They have created laws to allow them to prosper and to keep away the undesirables.