neither. it's totally possible to have billions of dollars and not be a bad person, but the tactics necessary to get billions of dollars require exploiting people.
you're making the assumption that capitalism is inherently a zero-sum game in which wealth is limited and one's acquisition of said wealth requires taking it from others, which is absurd. If I go to work and get paid, I'm not stealing the money from my employer and they're not stealing my labor from me. It's all consensual. Look at how bank loans work as an example of how wealth can be generated through simply managing money.
You certainly don't have to be evil to make money. Wealth is just a numerical representation of power and influence, and having said power and influence is what can turn people bad. Wealth is only one such way to power, however. There are many ways to consolidate power other than wealth.