Happy new year bro, great write out on money. Unfortunately these inequalities of income will exist as long as there are centralized authorities printing money {central banks}. Decentralization is what we need to see money/resources well distributed among the population. Most governments will soon introduce CBDC's but the population will discover the value of BTC and other decentralized cryptos like hive. That's when fiat dies and we all go digital. It's gonna take time but this fiat system is surely coming to an end :}