What you say makes some sense. Yes, the rich are, in a way, the best in acquiring wealth. But then again it's hard to say that the rich have the best genes. Maybe it's intelligence, which is in inherited. But so many other things have to be taken into consideration. Upbringing also plays a part in determining one's future. And I wouldn't say that children born in the richest families have the best upbringing. For example, some people are born into riches but die in poverty because they do not know how to manage their riches.
Furthermore, a person can be rich by winning a lottery, or through a stroke of luck, become rich. For example, if you happen to inherit a piece of cheap land from your parents and keep it, and 30 years down the road, the government plans to build something big there, and is willing to compensate you with many zeros on a cheque. Well, then you've just hit the jackpot. Although it's rare, it happens. But this doesn't mean the person is in anyway, genetically superior to another.
Besides, the trend shows that the human population has been increasing exponentially in the last century. Why the last century? It coincides with the improvement of medical knowledge and techniques to an extent such that the number of births can exceed the number of deaths in the human population by a large ratio. If cloning were to be allowed, these people would make the human population increase even further than without cloning, because at any one time, those who are cloned will continue to live way beyond their years and when birth rate stays the same (if we assume that cloning has no effect on the present birth rate), the total number of humans will increase. And if the therapeutic cloning and organ transplant procedure becomes more affordable over time (say due to breakthroughs or the discovery of new medical methods), the
rate of increase will also increase.
Ultimately, when overpopulation occurs, and if we don't find a solution (to overpopulation) by then, we would have to face the full force of natural selection, because it would then be a competition for inadequate resources. Therefore, I think it would be wise to postpone (if stopping is not an option) the usage of therapeutic cloning until we find a solution to overpopulation.
humans are so developed that optimal "genes" or inheritance no longer matter. natural selection is simply survival of the fittest, the factor that gives one individual an edge over another. in the animal kingdom it may be strength. for humans, it may be wits, it may be wealth. simply put, the richest survive, regardless of genes and whatnot. there are no rules to this game of survival.