People, companies, and tribes who have accumulated a lot of capital under the fractional reserve system are a mix of people who have really benefited us by their inventions etc., and others who have engineered or gamed a very crooked money system. Some figures are in both camps. A lot of folks see this system, and the rule of these groups, as capitalism. Others have a definition of capitalism as a sort of purist libertarian/freedom ideal which has never existed.