I believe a power law acts differently from an exponential distribution. I think wealth distribution is commonly approximated by a Pareto distribution. In your

I believe a power law acts differently from an exponential distribution. I think wealth distribution is commonly approximated by a Pareto distribution. In your model, the exponential distribution is caused by the fact that you cannot go below zero; otherwise, it would be a normal distribution. I don't agree with your opinion about laws against power laws, but that is another matter.