Yeah, so what? It is ideology for the continuation of the capitalist system, the preservation of Carnegie's privileges over others and riches whilst he was alive. Even if it was workable, which it isn't as it based on the flawed belief that some moral code of conduct can be lauded onto the economic basis of production, it is a utopia for the rich to relieve their guilt of living as parasites on the rest of us. Whatever excuses you make for the capitalist/market/money system it only recognises the efficiency of producing profit. That is why ideas like heavier taxation for capitalists and fairtrade only ever amount to palliatives at the very best and we are still lumbered with the inherent problems of the money system.