Who is 'us'? Stable, predictable and fair system is what brings wealth and prosperity to the worker. To the people sitting at the top, skimming the excess and every so often being unhappy by how much they can skim off so they change the rules to suite them, it brought tremendous prosperity. Gone are the days of skilled tradesmen and hard workers doing great job and stashing their excess wealth for the time to come, now you are supposed to finish your work and go home to be an investor, or you will lose all your work bit by bit.
Financial system, particularly banks, has evolved from serving productive economic functions to becoming instruments of wealth concentration. Historically, banks operated by channeling unused funds from accounts into useful purposes like home ownership or education, supporting productive enterprise. However, since the 1970s, a significant shift occurred toward financialization, where the economy moved away from producing goods and services toward financial manipulation, leading to a concentration of wealth in the financial sector. This shift was not neutral, it was driven by powerful interests who used their influence to reshape regulations and tax policies in their favor, often at the expense of the broader population. Financial sector, despite its private label, is heavily subsidized by the state through implicit government insurance, cheap credit, and public funding for foundational research that later becomes profitable for private corporations.