They systemically lock people out of banking, home ownership, employment, running a business, selling their products, getting famous, and so-on.

There's a class of people that has to have "more" than the rest. And they do that by controlling access to everything. They spend tons of money on distractions and concepts like moneylending which makes everyone have to go through the "loan" and "approval" process - of course only some people get approved lol So nobody else gets a house!

Instead of trying to become better themselves and make new discoveries, and build genuine wealth they can give back, the gatekeeping/inheritance mindset is to stop others who are trying to better themselves. To knock them back. It doesn't stop at preventing others from attaining wealth and status, they don't even want you to have a roof over your head.

If they had it their way, you wouldn't have a bank, house, car, and barely any money. You'd be wearing some goofy uniform working for them living in poverty.