You're wrong, but you're far from alone. Essentially the way the whole finance industry works is there is an enormous gulf between their understanding of money and the general public's understanding. They don't contribute anywhere near as much to society as people think, in fact they fuck a lot of things up, but they run the books, of course they'll come out on top.

There's a great intro to how banking really works today here: https://positivemoney.org/how-money-works/banking-101-video-...