I think a mistake in thought you might be making is that people are not simply "good" or "bad." I 100% agree with @UziBobuzi that hoarding more wealth than you or your descendants could ever reasonably spend is a "bad thing." And maybe that's a "very bad thing," that would tend to cast a dark shadow on other "good" things the person might do. Still, those good things are not erased; they still exist, and should not be subtracted.
Another important concept is that, while there is a lot of overlap, a person's actions are not the entirety of who they are. We all have bad habits, and regrets, and other shortcomings that we are fully aware of and have difficulty rising above. That doesn't make us bad people, it just makes us people.
HarkMahlberg
Darnov