Most people ending up in mansions live in those mansions from birth. This is a case of hereditary wealth (feudalism).

Most people who actually go to prison have never lived in mansions but would really love too.

Most people who have not lived in mansions from birth will never live in mansions.

Risking prison is one way to acquire mansions which will be transferred to your descendants via feudalism.

This is also the case how the first mansions were acquired.

Wealth breeds wealth, not merit. And wealth is only rarely bred by merit. It is usually ceased by strength and egoism.

And once you have mansions, you won’t land in prison usually as you will be able to afford good lawyers, caution payments and bribes.

There are very rarely people who lived in mansions once and now live in prison. This is a case of her. bad luck mostly, or of having pissed off someone who owns more mansions.

It has nothing to do with social contract and has everything to do with people going against it in the past to acquire wealth by taking it from all others, and just pretending it didn’t happen generations later.