I largely agree with you, but there's a kernel of truth in the OP's comment. Many of the very rich got to be very rich because they are very good at optimizing for money. They understand economics, business, and the financial system extremely well. And that's a weakness in a post-collapse world because it is very likely that money will be worthless and we won't have much of a financial system to speak of. They probably also pissed a lot of people off on the way up, or simply by virtue of being filthy stinking rich. And that sort of wealth is hard to hide, painting a target on them for millions of people.
The folks who will do the best in a collapse scenario are likely the next social class down; the folks who perhaps sold a company for 8-figures (but not billions), or are in reasonably high-level managerial positions for 7-figure annual salaries. This class is pretty heavily networked and also knows how to work together. It's held together by social bonds of trust, geographic proximity, and mutual interest as much as by money. So when money goes away, those bonds remain, and you have a class of people who are long-term oriented, highly-skilled, but also communicate and cooperate with others. They are also relatively invisible (could you name a bunch of directors at major corporations, or solopreneurs with successful bootstrapped businesses?), so they can blend in and avoid becoming a target until defense systems can be established.
After WW2 in Germany, society had a total collapse. At one point, the occupying Allies decided to "zero out" the existing Mark (German dollar) and replace it with a new Mark. To bootstrap the economy, everyone was issued 50 Marks.
Within two weeks, the folks who had had money before the war had money again, and the people who had no money before the war had no money again.
Unsurprisingly, the people who knew how to make money made money, and those that didn't, didn't.
It's really sad that the American public school system does not teach how to make money.
In 1948 the accounts in Reichsmark, Rentenmark and Besatzungsmark were converted into Deutsche Mark accounts, although in different proportions. Cash was 100 RM to 6,50 DM, stocks in 1:1, other stuff in 10:1.
The core of your urban legend is the Kopfgeld, a cash starter kit like the Euro 50 years later. It consisted of 40 DM in cash and later an additional 20 DM. Those 60 DM were not free but calculated into the converted accounts.
What did happen was that shopkeepers were hoarding goods, especially luxury goods, and only suddenly started selling them after the Währungsreform.
That is simply not true. The same families that were wealthy before the Nazi time (say Quandt, Flick, Krupp, ...) made a killing during the Nazi time and retained and expanded their fortune after Nazi Germany was no more.
It is absolutely not the case that everyone started with 50 Marks and quickly the people who are good with money came back to the top. The same people simply stayed on top throughout.
I've heard this before, and I don't know your background so for sure will not judge. But I think it is best to consider this story that you have been told as propaganda.
I was told this by Germans who lived through the war and the aftermath. I didn't have reason to believe it was propaganda.
A year ago I met a local Afghanistan refugee, and we got to talking. He was a wealthy businessman in Afghanistan, and escaped with nothing but his skin during the American pullout. He immediately went into business again in the US and was thriving.
Making money is a skill that can be learned. One is not doomed to circumstance.
The folks who will do the best in a collapse scenario are likely the next social class down; the folks who perhaps sold a company for 8-figures (but not billions), or are in reasonably high-level managerial positions for 7-figure annual salaries. This class is pretty heavily networked and also knows how to work together. It's held together by social bonds of trust, geographic proximity, and mutual interest as much as by money. So when money goes away, those bonds remain, and you have a class of people who are long-term oriented, highly-skilled, but also communicate and cooperate with others. They are also relatively invisible (could you name a bunch of directors at major corporations, or solopreneurs with successful bootstrapped businesses?), so they can blend in and avoid becoming a target until defense systems can be established.