So you don't believe that work creates value?

If it's subjective, then it can't be created with hard work. The products or services could be created, but not their value. To say "create value" is to believe in marxist labor theory of value. So are you marxist (objective value that can be created by work) or marginalist (the subjective value)?

So why did you say about "hard earned pennies"? And what is value? Marxist value or marginalist value?

By the law, yes, but not by justice.

If you have a monopoly - your profits comes from overcharging other people. If you receive an interest on your capital - it comes from another person's earnings, who do the real work. Taxes are correcting this. Too low taxes mean great inequality, oligarchy and fascism.

Someone else's money - because you never get what you earn. Your income depends on
1. Your capital
2. Place where you were born and live
3. You position in the market (do you have monopoly or a lot of competition)
4. Your family and connections.

Yeah, and then you might take another loan from your father, and loose again, and then another loan. But also you might have nothing and be born in a poor country. Not all of us have the luxury of making "bad decisions" with a lot of someone else's money

How hard is it to earn an interest on a bank deposit that you've got as an inheritance?
If pennies really were to depend on the work - anyone in the world would earn the same money for the same work, and it doesn't happen. Work is important, but you never get what you really earn.