"Jesus Christ, for a bunch of really smart people, I can't believe how many are COMPLETELY missing the point. This isn't about paper versus plastic. The OP was about who controls wealth, why, how, and whether or not this is a good or bad thing.
The OP was about how the vast majority of wealth in the U.S. is controlled by financial institutions which only push around digital zeroes and contribute nothing of value. In my opinion, the pushing around of zeroes is of great value. Banks do a LOT on both a macro and a micro level. Is the value of what they do proportionate to the wealth they control? Probably not, but I don't think it's right to ignore the services banks do provide. It reminds me of the scene from Life of Brian about "what have the Romans ever done for us?"
"I'm not saying that anyone is entitled. I am saying, though, that it should be a reasonable expectation in a healthy and prosperous society that people who do all the right things and jump through all the hoops they're expected to jump through in life out to expect to at least not be destitute more often than not."
There's the rub. Who says that objective "right things" exist to be done, or that one person's perception of having "done the right things" and "jumped through the right hoops" is more valid than another person's? The problem is that some people have this notion that some equitable outcome should result from having done X, Y, Z. There is no cookie cutter recipe for success.