Extremely wealthy people (i.e. 9-digit+ net worth) have teams of lawyers and accountants that figure out the optimal way to allocate the client's cash to achieve their goals. That may or may not include incurring debt, etc. Rich people borrow money too (not because they need to, but because it ultimately can make more financial sense to do so).
(there are of course exceptions to this, there are rich people bad with money or who want to look like they're richer than they actually are, but in general rich people stay rich by being smart about their money)
(there are of course exceptions to this, there are rich people bad with money or who want to look like they're richer than they actually are, but in general rich people stay rich by being smart about their money)