The Cantillon Effect prevents the benefits from being distributed evenly across society. You become more productive while your purchasing power goes down and you have to be ever more productive and to keep up.
Discussion
Yes, the financial system is unfair to individuals. In the age of agriculture, land is an important means of production; in the age of industry, machinery is an important means of production; in the age of information, data is an important means of production. Among these means of production, data is the lowest cost and easiest to obtain. As technology continues to widen the gap between rich and poor, it will become more common for ordinary people to work for machines.