I've known several people in my life who are wealthy on the level of sKerry's wife. Trust me they don't borrow anything, they just buy it. And they buy a lot of expensive "toys" that they don't actually use.
Kerry in his ordinary incarnation probably wouldn't touch a firearm of any kind if you paid him - one of his constituents back in hoplophobic Massachusetts might see him.
I can honestly say, I have not met anyone who is worth 600 million or more...If I did, I was not aware of it. And I have been around a few rich people.