Before going any further, do you know what our monetary system is? Have you ever thought about it?
A measure to keep most people in control, and the upper 10% in luxury. As long as most people go to work for the minimum wage (or even for less than that), it is good for the so called elite.
That isnt understanding the monetary system. It is much larger than that. You are only looking at a small sliver of the entire spectrum.
This is not so much the elitist who are doing it as such. It is rather the plumbing that is in place and how exclusive it is.
That is what needs understanding and changing.
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This topic is a good one but it's not for financial and economical illiterates.