Most people will never be responsible with money. They don't understand it, and certainly don't respect it. That is why wealth flows from the irresponsible many to the responsible few. And that is how it should be.
Not entirely true. The richest 1% in the world are just greedy banksters and swallow up everything for themselves by explotiing the poor and those who lend money from them. Many people live in poverty throughout the world without any hope of changing their life and that's not always their fault.
That is true. The way people need to see it is that the bankers and the governments of the world are like the house in a casino...and the house ALWAYS wins. No matter what the scenario, the bankers ALWAYS win, and ALWAYS maintain their wealth. They get bailed out, they are protected. They are the "shadow government" that controls most everything, and they ALWAYS win...
Like one of the rothschilds once famously said: "Permit me to issue and control the money of a nation, and I care not who makes its laws!"