Petra -- daughter of a Formula 1 racing tycoon -- added, "I'm not going to not live in a certain way ... just because there are people less fortunate than I am."
22-year-old BILLION-heiress Petra Ecclestone -- the chick who just bought Candy Spelling's mansion for $85 MILLION -- says she's NOT spoiled ... she's privileged -- and there's a HUGE difference.
Ecclestone spoke with "Good Morning America" -- and explained why she decided to purchase the home ... saying, "It was a great investment, and I got a really good deal and it was, like, prime real estate."
When asked why she didn't use the money to pay for affordable homes for 1000's of families -- she replied, "I help as much as I can, but at the end of the day ... however much the house has costed, that's not going to kind of I dunno ... like change the world I don't think."
Does Petra have a point?