It takes people to collude on something. They don't need money to do so.

col•lude
To act together, often in secret, to achieve an illegal or improper purpose.
To conspire in a fraud or deception; act in concert through a secret understanding

The large debt is not created by the free market, it is created by large centralized governments that can't stop spending money. They print it as fast as they spend it. If you don't like these enormous debts, go after governments printing fiat.

The top 0.1% are very rich, this is true. Why are you jealous of your betters? You think those insanely driven people waste time complaining on the internet? No, they are busy creating things.

I am conscious and I am a capitalist, so I have no idea what you are claiming.