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Nah, directly helping other ppl would be the person who bought the yacht instead spends their money on things that enrich their community/society/their workers.
Like paying yacht staff?
No, like building public third spaces (that aren’t built around consumerism), building free housing, paying off people’s houses, paying for medical facilities, improvements to schools, public transit (or something like free mechanic services), paying off medical debt, taking care of homeless, etc.
Billionaires are the ones with the power to change the status quo and fix so many issues with society.
Look at what can be accomplished with just a portion of a single billionaires wealth in a single area (Mark Cuban with CostPlus). Billionaires have an ethical obligation to use their wealth for the food of humankind.