Don't forget that the same system teaches all the regular people that wealth is a sign of virtue. That silly thought is not limited to the people who have the wealth. Much the opposite, in fact.

They also like to pretend that luck is minor part of it or even a non-issue. It's crazy to imagine how much good could result from eliminating the concept that people are where they are solely because they "deserve" it and they "worked" for it.

I worked for the stuff I have too. That doesn't mean I am not incredibly lucky.

but they think they have money based on virtue, and i don't based on some sort of failing

That is from the whole "prosperity gospel" grift that sprung up and spread especially well in the US post WWII. Apparently God sets your net worth based on your spiritual scorecard, which appeals to the middle class and is used by the upper class as a replacement for the Devine Right of Kings to rule. It's worth an afternoon's deep dive if you have any interest in how religion can be so easily twisted as one of the levers of power.