I know a person who has a bad temper and he’s very critical especially to his family, but on the outside he appears to be very kind - he does a lot of chessed and tzedakah. He doesn’t keep the Torah, and he has a lot of money and enjoys a lot of financial blessing in his life. Why is he rewarded by Hashem to have so much money?
It is possible that his reward comes from the “world of exchanges”. It is also possible that he is receiving reward on this world for the kindnesses that he does. Or, it can be because this is his portion on this world – this is how he is being tested.