A huge huge huge part of why we have such a non-functional economy with wealth inequality so high is because *banks create money* but they give it almost exclusively to rich people. In this graph you can see commercial debt, CPI adjusted, per capita, through time. Repeatedly we give brand newly created money (aka Loans) to business owners, they fuck shit up, then we bail them out again, it's an amplifying oscillation. https://fred.stlouisfed.org/graph/?g=1lz5V