The economy is designed to run at a deficit for the majority, so it can run at a surplus for the minority, because that is how power is gained and maintained.
There is also massive level of brainwashing. Elite people choose what you do and what you do with your investments too. They make sure to put up the mines of manipulation every step of the way. They designed the system to serve them.
It is a stacked deck and the longer it lives, the more stacked it becomes.