That's a pedantic distinction that doesn't matter for the purposes of the argument.
"Baby which inherited the money" could just be baby born into wealth, or baby who will eventually inherit billions when it grows older and its parents die, or baby whose diseased mogul parent left a trust of billions for, or whatever....
"Baby which inherited the money" could just be baby born into wealth, or baby who will eventually inherit billions when it grows older and its parents die, or baby whose diseased mogul parent left a trust of billions for, or whatever....