POS Question

Can somebody please tell me where I'm going wrong? I'm really not trying to FUD bags. I own POS coins but I'm just trying to think all of this through

Bitcoin achieves consensus through proof of work. In order to play in this proof of work mechanism it is extremely difficult. Miners constantly have to be looking for cheaper energy prices or update their rigs to the latest and greatest machines or else they run the risk of going bankrupt. Mining companies go bankrupt all the time if they are not able to allocate capital efficiently and have to compete in a very competitive market. Thus it is harder for coins to centralize to larger players as they are constantly having to sell coins to be able to pay for energy costs and new rigs. Additionally there is no yield on BTC so people can't get more BTC passively.

In the proof of stake world the worlds richest people can stake their coins for little to no risk at all and they can get a return. All they have to do is stake with rocket pool, Coinbase, etc... and they get more coins back. The more they stake the more coins they get back. I understand validators can run the risk of being slashed if they are acting out of line but there is not any where near the amount of competition that is in POW. My question is.. how does this not create a rich get richer system? Wouldn't this lead to coins always funneling back and centralizing to the players with the most money? How is this different from our current fiat system?

NOTE: I know you can still have rich people own a ton of coins in the BTC system but they can't passively earn more coins. They have to earn it (I.e. Microstrategy has to run a business and make money to acquire more btc) But in a POS system rich people can passively stake and acquire more and more coins through no work of their own and with little risk and get so much farther ahead of everybody else. That is what concerns me.

Thanks in advance!