[falcolas]

One model I don't see here is "success requiring a certain amount of capitol to obtain". If you don't have the, say, 6 capital to invest in an opportunity, you can't get the rewards for that opportunity. This applies even if you provide debt, since going into debt typically requires having existing assets in excess of the debt amount.

My hypothesis is that the starting capital will impact the distribution of capital more than talent.

Another potential model: Vary the chance to participate in opportunities. Not everyone has equal chance to take advantage of opportunities; someone living in NY will have more opportunities they can leverage than someone living in Iowa (and being able to move to NY is an opportunity in itself).

My hypothesis here is that the chance for being able to take advantage of opportunities will play as big of a role in the final capital distribution as talent.