Marxism is not about moral value judgements of individuals, but critique of overall systems. It does not matter to Marxists if Capitalist A expropriates 10 USD per laborer per hour and Capitalist B expropriates 11, what matters is that society need not be organized in such a fashion and to ask how we can work towards a more equitable society and uplift the working class.
The idea of "self-made Capitalists helping people" is a bit silly. The riches were made from exploitation, regardless of the intensity of the labor involved from the Capitalist in getting it off the ground. This is not "ethical Capitalism," but again, such a question misframes Marxist analysis entirely. As an addendum, insurance is close to non-productive labor to begin with, making it generally something to be eliminated outright via expansion of social services.
As @davel@lemmy.ml said, distinguishing petite and haute bourgeoisie is helpful to understand class distinctions and thus interests and behaviors more clearly, but again, the purpose isn't moral judgement. The purpose is to understand the world so we can understand how to change it and make it better for the working class.