If you're rich then what? You too will perish someday and all your obtained materials in this world will leave you and be spent/enjoyed by your char siew children?

Progress? What progress do you achieve once you're dead. It's not yours to keep.

The BIG question is how to we escape this vicious CYCLE of humans?

Only when the ENTIRE human race becomes extinct and replaced by another intelligent form of living subject?

Where does the idea of KARMIC energy come from? Did humans transcend life and return back to living to discover that truth?
It's still just another THEORY that man came up with.