To anyone in the working population it must seem like an instrument designed to keep the pressure on and not serve general society or those providing actual tangible things of value to the market, like goods and (non-financial) services.
I actually tend to agree but it's pointless to battle the market's cold logic (which often does make sense to me from what little I know) or existing power structures.
Solutions/counterforces need to come from society and civil institutions. If those are weak, gotta fix that first and the market would depict a more equitable society without prejudice. It's the same old rich vs poor repainted with complicated terminology and systems, really.
Another thing to improve would be transparency and education about what's going on in finance like with personal accounts of people working there for instance, making it less of a stranger and showing some of its internal logic and the things it does well or not so much.
Sometimes bad things happen, but you can be sure we'd have none of the niceties of modern society without a derivatives-based economy.
Immediate cash just has a ceiling for what it's capable of supporting.