As May has said, part of my problem with this complaint in the first place is that you're making a lot of assumptions about his finances. Otherwise, no I don't think it's not in the spirit, or wrong, for anyone at all to use Kickstarter regardless of finances. If Bill fucking Gates decided to use KS, I wouldn't care. He can present his idea and I can make a choice as to whether or not I want to be a part of the process. It's not morally wrong, though in most cases someone wealthy enough to fund this kind of stuff on their own without issue would find KS to be more effort than it's worth.
Also, $10 is a pretty normal price for a digital album. Complaining that you can't get it for $5 is just stupid. Unless the complaint is about the fact that that tier exist at all, in which case I'm thinking you're probably not real well versed in KS projects. Damn near every single Kickstarter in existence has a low tier that you can use just to keep u with the backer updates. Since you can cancel the pledge at any time, it makes it useful for backers who aren't decided yet so that they don't feel terrible for canceling and skewing the numbers too much.