When the majority of the wealth is acquired by a minority... I blame debt: You need it for basic life essentials like a car and education and a house. For years, you don't actually own the car or house. In the end, you pay them almost twice because of interest. If you can't make the payments, they'll offer you a new contract that lasts twice as long.

You will always be hedged in. You will always be paying someone. You will own nothing of worth. For some good news, you can minimize the impact if you are clever financially.

If change is happening, I'd vote to disband the fractional reserve system.