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I actually never got the impression he was rich from the movies. All Hagrid really says is "You dinne think they'd leave ya with nothing?" And they show a pile of coins.
To a child with almost nothing but some school expenses who lived on handmedowns, he might feel rich but he didn't rush out and replace his broom himself when it broke each time.
His parents also weren't old or particularly famous outside their role in Voldy's death, so I don't know where the richest could have come from outside his Father's family.
Also... Does Gringots do interest? I assume not because it's literally a vault.
And the first thing he does with that money is buying all the candy and treats on the train, so none of the other kids can have any, even though he'll have to throw away 95%