"...this gap between the upper and lower class is clearly a symptom of the actual disease rather than the disease itself."
No. It is the disease, and the faltering economy is the symptom.
Taskmaster has pointed out that commercial banks don't conjure loan principal, but instead the deposits they lend out, making depositors automatically the losers in the event loans aren't repaid in full (which we call a bail-in ((they keep 100% of the interest payments (which interest, less what is paid to depositors and other overhead, is the only income they record (however, handing your money to a bank means it's the bank's money. You have exchanged it for their promise to repay it to you (a liability on their books). It becomes their money in actual fact, allowing them to declare a financial loss (of money you gave them) in the event they default on their promise to pay you, in a surprise plot twist))) the number of parentheses here reveals how this fraud is concealed (the sleight of hand is that your deposit is not income they declare, and neither is loan principal when the borrower pays it to them, because those are accounted as an increase or decrease in their liability to you, the depositor, and is the asset the bank lends out and profits from, which means if the loan goes bad, you're the one who's out money, which the bank declares it's loss))).
The money created when it is lent is destroyed when loans are repaid and the bank is fully collateralized, which is why we're facing a lack of dollars today. New credit is not conjuring new dollars into the economy. As even well collateralized banks like SVB and Signature are seized, banks are dissuaded from new lending that reduces their collateralization and increases their susceptibility to seizure (in theory. In fact, fractional reserve lending means no banks can pay all depositors on demand, and are all susceptible. SVB and Signature were targeted and collapsed deliberately, and these things are planned). Interest rates aren't the sole determining factor in how much money is borrowed either, and are another limitation on the confidence of borrowers in their ability to profit by borrowing money due to inflation (or worse, deflation), war, government mandates that prevent creation of goods and services, blowing up pipelines, crashing planes into chicken coops, and etc.
I was acquainted with a lender that would lend out funds overnight for 1%. They had no interest in lending $50k. They were only interested in deals >$1m. Similarly infestors in BlackRock can't profit from my ex watching kids after school until their parents can come pick them up after work. They can't profit from 50M of my exes doing that either, despite that would be an appreciable chunk of the economy, thus licensing is used to limit that form of economic activity to licensed entities BlackRock can own. BlackRock only wants companies it owns the majority of to be imprisoning children. Every license to warehouse kids isn't there to protect kids from under-edumacated prison guards, but to limit economic activity the infestor class cannot own. This licensing scheme has been gradually increasing for a long time, as more and more economic activity is restricted by licensing, and fewer and fewer economic opportunities exist outside the control of the infestor class. The flaw in licensing is that bad parents can use fiat to pay my skeezy unlicensed ex to warehouse their insufferable brats, extralegally, and such small fry aren't worth the trouble to squash any more than they're worth the trouble to finance.
However, there is a plan to underwrite all economic activity with SDRs, and this requires that only temporary debts in the form of CBDCs are transactable, separating the functions of money into stores of value and means of transaction, so that Megacorp can prevent economic activity they don't profit from. They can't do this if we are happily transacting with the forms of money extant, such as fiat, BTC, and Hive. Now that Megacorp (BlackRock, StateStreet, and Vanguard, because each of these is substantially infested in the others and own a majority stake in ~90% of stock corporations in the world) is the majority owner of almost all entities creating economic activity, it's owners can arrange to transfer their equity to SDRs at their whim and complete the acquisition of all actual wealth by destroying stores of value they don't own, which we observe allegedly ongoing. Megacorp will be able to underwrite CBDCs with whatever features they want, since their SDRs are collateralizing them, and plebs UBI'd CBDCs collateralized by overlords' SDRs. Plebs will no longer have assets, all of which will have been tokenized in SDRs owned by substantial stakeholders in Megacorp, so their access to CBDCs will be charity, and they will have no say in what, when, where, why, or who they can be spent for, however those CBDCs are limited per their social credit scores, skin color, gender, and etc.
That's the problem with the economy today: Megacorp owns a majority stake in ~90% of the stock corporations in the world, and is executing a plan to exclude the non-infestor class from participating in economic activity that Megacorp doesn't profit from, widening the divide to infinity.
"You will own nothing, and you will grovel before your generous overlords whom grant you life at their whim and sole option, and be very, very happy you aren't gulaged into bug food."
My answer to this is that money is not wealth. Money can be used to buy wealth, but wealth exists whether money is involved or not. I exchange my services for goodwill. I have for years foregone wages and cash payments that would encumber me with tax liabilities, and my bills get paid. A landlady, for example, can consider rent paid for a month for painting a sign. She didn't pay wages for the painting. She did forego income, however, and reduced her tax liability. This can become far more complex and impossible for others to track, such as by doing work for a farmer who delivers produce to a mechanic that fixes my truck. No one can ever establish I paid that mechanic diddly squat, nor that the farmer ever paid me jack-all, and everyone involved reduces their tax liability. Despite no money being involved, economic activity occurs, and wealth in the form of goods and services is the result. I can hoard goodwill to any level I want, and money printers can't reduce it's value to me. It can't be taxed, stolen, inflated, deflated, or probated. In fact, if you've been defrauded, you gain goodwill from sympathetic people today. They might even set up a GoFundMe for you.
Because goodwill is based on trust, dishonest actors cannot participate in economic activity transacted in goodwill. This is not a bug, it's a feature. Because untrustworthy actors can transact in money, the world is facing every single problem you can name, from the plandemic to the war in the Ukraine. It is the love of money that is the root of all evil, not the love of wealth.
Personally, I recommend only undertaking economic activity with good people anyway.
Thanks!
Edit: https://www.imf.org/en/About/Factsheets/Sheets/2023/special-drawing-rights-sdr